WillisBack/dataset-financial-user-claim huggingface dataset:
We purchased our home in XX/XX/XXXX. At the time I was an XXXX XXXX XXXX XXXX undergoing multiple deployments to XXXX and XXXX and my family was living on XXXX XXXX XXXX XXXX. The family was under a great deal of stress because our military quarters were directly on the landing approach for F-14s, which flew over the house at low altitude several times a day. 

Shortly after moving into our new home the home we discovered hidden termite damage that had to be repaired immediately. We took out a home equity loan from Ditech to pay for the work.

The contract was signed on signed in XX/XX/XXXX, for a 25 year loan at 13.89 % actuarial interest. The original loan amount was {$77000.00}, and my payments were {$950.00} a month. 

Along with my primary mortgage, my monthly payments total {$2700.00}. Although this has been crippling financially, I have paid that amount every month since, and have never missed a payment-. 

I have paid Ditech roughly {$140000.00} in this period, and my current loan balance is {$68000.00}. 

In XX/XX/XXXX the value of the home dropped, and with our combined mortgages I have owed more than the home is worth every since. When I checked in late XX/XX/XXXX, the estimated value of the home was roughly {$310000.00}. Since moving in, we had another child, and the home was too small for our family, but we had no real options to move out. 

It gets worse. 

Ditech approached me earlier this year and offered to loan me {$350000.00} to consolidate both of my mortgages at 4.125 % interest, which would lower our total payments to roughly {$2000.00}. 

We were within a week of closing when we discovered serious termite damage in the home, and realized that the termite inspection report provided by our pest control company was fraudulent. Knowing that this was illegal and unethical, I stopped the refi process while we determined the extent of the damage. 

Surprisingly, my Ditech loan processor encouraged me to continue with the loan, citing that no one would ever know about the report. Even after I explained that I planned to not occupy the home as my primary residence and would therefore not be eligible for a refi loan, Ditech encouraged me to close the loan. 

Through this experience I learned that Ditech has not only taken advantage of me and placed my family in serious financial hardship from the beginning, but they were willing to place me in legal jeopardy. Through this entire experience I have met my obligations and dutifully my payments, hoping that I would be able to pay this loan down enough to get out from under it. They make it difficult to navigate their website and find pertinent information, and they are predatory in their practices
I'v had some identify theft several years ago with the address of XXXX XXXX XXXX XXXX in XXXX, XXXX. I 've also had the wrong address of XXXX XXXX in XXXX, XXXX. I 've never lived at any of these addresses and I 've reported it on more then one ocassion. Also there are several phone numbers on my credit report that are n't mine. My phone number is XXXX.
XXXX/Resurgent capital services are an unethical company. XXXX is a debt buying company where they pay pennies on a dollar for debts. They got a debt that they found my name and even though I've told them fir the last 2 years it's not my debt.they continue to harass and charge they have ruined my credit to the point that I'm XXXX  as I am unable to get an apartment because of how they have impacted my credit score and credit. They do not care if they have the right person as long as they can say they have found someone with a name similar to debt they dont care they are like leeches attached to an person do not let go even when they are wrong. XXXX has stated they validated that this was my account I said show me validation they can not because XXXX electronically says it's my bill there are 2 people with my name I popped up first and they have gotten all my personal information and have made my life XXXX..o w am XXXX years old with a XXXX XXXX high medical Bill 's and prescription drugs that are very expensive XXXX   has unethically chosen me to go after its ruined my credit I'm XXXX  and it's starting to impact my health to a point that's scary. XXXX should not be allowed to practice business the way they do resurgent is parent company but since XXXX is a debt buying company there are no laws that can protect the old and poor from this company they are scum and should not be practicing there have been many complaints to the better business bureau here in mn and south Carolina where their corporate headquarters please help so I can get a home please understand that being XXXX  at XXXX isn't easy
I have two inquiries still showing on my XXXX credit bureau from XXXX both in XX/XX/2016 and are two weeks apart from each other. I wrote to the office and called the customer service department where the person XXXX could not find my information. I requested both of these to be removed from XXXX and Chase Bank and it still shows. This only shows up on XXXX but there was no contact information showing on each inquiry. This was more fraud being done since it was made twice without my authorization in XX/XX/2016 XX/XX/2016
XXXX XXXX is working with several coin companies on pump n dumps and costing americans billions of dollars by the day scamming people with pay to play tactics. i can send you more proof plus my XXXX login. So far hes pumped XXXX, XXXX, XXXX XXXX XXXX
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX on XXXX 30 days late as of XX/XX/XXXX on XXXX and XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Please look into illegal activity by the XXXX XXXX XXXX as well as Bank of America for infringing on our Natural and God-given rights to own, purchase, and bear Arms. Our Second Amendment is non-negotiable to any entity headquartered within the continental US of A. This should be a crime of  treason against the Constitution and should be punishable by maximum fines and prison sentences for the Upper Executives. Please arrest these treasonous people and get them on trial for treason. I have wrote the President about these matters and someone should look into dissolving these banks as soon as possible, please.
During the annual escrow analysis for my mortgage, it was determined that I would be refunded {$3100.00}. I noticed this by viewing my escrow activity online at US Bank. I waited for the refund to arrive for more than 30 days. When the refund never arrived, I contacted US Bank to inform them. I spoke to the kind and respectful customer service supervisor, XXXX ( Unit Identifier : XXXX ) and she informed me that there would be a {$15.00} reissue fee, should I decide to have them reissue the refund. I questioned the validity of such a fee as I had not at any point accepted the refund and additionally, I have no way of knowing the payment was actually sent to me. Meaning, how do I know that the refund was ever actually issued? What would stop US Bank from declaring that they had sent the payment, when in fact they had not? 

The only proof of such an issuance was US Bank 's records. Which means that the only way for me to know that they had actually issued the payment was ... you guessed it, US Bank. In other words, " you know we issued it because we told you so. '' There is absolutely no other recourse. 

So, I was presented two options : Option 1. Pay the {$15.00} extortion, ahem " fee '' or Option 2. wait six months until the check expired. Now, {$3000.00} is no small amount. In fact, if I were more desperate, I would have paid the fee without a second thought. I can only imagine the countless working poor or elderly folks who would have to bite their tongues and pay the fee because the need for the money is so great. 

Put another way, if I were to send the bank a mortgage payment by mail and it never arrived, could I then charge the bank for reissuing another check to them? If I can, this is great news as this amounts to a {$15.00} dollar discount on every payment henceforth ( well at least, if I were a dishonest sort ). I suspect this is not the case and that in fact, I would be slammed with additional fines for delinquent payment. I am quite furious at the nefarious implications here. How do I know that financial institutions do not simply pretend to issue refunds, then when XXXX Consumer calls they inform him he can receive the payment if only he pays a " small '' ( an operative term depending on one 's financial status ) re-issuance " fee. '' This seems to amount to an exercise in extortion. " That 's a really nice check there, it be a shame if you 'd have to wait six months for a re issuance. '' " If you pay me {$15.00} I can make sure we send it out soon. '' XXXX XXXX would be envious of such a racket. 

What I am asking for here is : 1. A determination of whether such a fee is legal. 2. A definitive determination that the refund was in fact sent ( something other than " because we told you we did '' as I am not sure how such proof holds up in the eyes of the law ). 3. I wish to receive my refund ( money already overpaid for a year ) without paying a fine for receiving it. 

Thank you for your consideration in this matter.
In XX/XX/XXXX by daughter was in a car accident and her car was totaled. She was not hurt. GM was informed of the accident and our insurance company paid their portion of the loss {$10000.00} and it was credited to the account on XX/XX/XXXX. 

XX/XX/XXXX - I logged into my account and had an online chat where 'XXXX  ' stated the account was paid in full. ( see attachment ), so I thought our obligations were complete. 

I followed up a few more times and each time GM told me they were simply waiting for GAP insurance to process, but my account was fine. 

XX/XX/XXXX - My credit bureau report was hit with a late payment. 

XX/XX/XXXX - I called GM and spoke with XXXX ( id XXXX ) and she informed me that I was late on my payments. This was the first that I had heard the account was not in good order. XXXX admitted GM 's systems were not showing accurate information but I owed $ XXXX/mo until GAP insurance was received. This was the first communication from GM telling me this, and their on-line site did not show this information. 

XX/XX/XXXX - My access to the on-line GM portal was shut down, and I was told that in order to make a monthly payment via phone, GM would charge me an additional {$10.00}.

I was also told that my daughter ( the other co-signer on the account ) still had access on-line. This was not true either ( see attached )
Under the Equifax Complete Premier Plan " Understanding Your Score '' they are reporting that the oldest credit card I have is 8 months old and this is impacting my score in the most negative way. My XXXX XXXX credit card was opened XX/XX/XXXX - my XXXX Card was opened XX/XX/XXXX and I had several credit cards that were much older. They are using incorrect information in their equation when figuring my score. Every time I try and get corrected they do nothing but lower my score like they are retaliating against me for trying to correct.
XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial XXXX/XXXX/XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
I contacted XXXX XXXX XXXX regarding making payment arrangments in XX/XX/2018, they gave me an arrangment of {$66.00} my normal due date is the XXXX of every month, they tried to pull the {$66.00} out on XX/XX/XXXX and that put my account into overdraft, i called the company and a supervisor told me that when the processed cleared on there end, to call back and they would reimburse me the fee, so i called back on XX/XX/XXXX to see if everything was ok on there end, and a supervisor told me that the other supervisor shouldn't have told me that and they can't honor it, so i asked her that since they won't honor it could i pay the {$66.00} as agreed by the representative that gave me that figure in the first place, she went on to say she dont see any notes as to where i was given that figure, she just flat out lied because why would they try to draft {$66.00} on the second so i just hung up.
I used my ETH wallet address on Coinbase account to receive XXXX tokens in XX/XX/XXXX.  However, at that time I was not notified that the Coinbase actually do not support XXXX tokens. I emailed the Coinbase support team on XX/XX/XXXX regarding this issue and they did not get back to me until XX/XX/XXXX. In the email they told me the tokens were not supported and they could do nothing to recover the tokens. 

There are at least two things Coinbase could improve in the future : First, as everyone understands, unlike other traditional financial assets, digital currencies such as bitcoins are of extremely high risk and digital currency transactions are irreversible, as such, Coinbase should have put up warning signs in a more obvious spot on their main page. Even though there is an article XXXX and XXXX on their website, you have to try very hard to find it. Also, there should have been a warning message prior to each transaction to make sure customers fully understand the potential risk and the proper procedures to follow. 

Secondly, I believe every customer of Coinbase should have full control of their digital assets. We pay for the service fees and as such we deserve to have full access to our digital assets. If unsupported tokens are accidentally sent to Coinbase wallet, Coinbase support team is obligated to at least try to recover the tokens for the customer instead of doing nothing at all. Imagine if your credit card was stolen and you lost your money, I believe the financial institute who issued the credit card ( e.g. XXXX XXXX, XXXX XXXX XXXX, XXXX, etc ) would try their best to find the money for their customers. So should Coinbase.

The total value of the tokens are {$4500.00} as of XX/XX/XXXX ( per XXXX.XXXX ) and the loss of the tokens is a huge loss to me. I am hereby requesting Coinbase to be fully responsible for losses caused by negligence.
Went to annualcreditreport.com and filled out information and when it should have come up digitally with the report to look at, it only said can not fill your request and gave instead something to mail. Are we doing this wrong??? We are afraid to try again because it said only one free report a year, but we have not received one!!
I applied for and was issued a credit card from USAA. I attempted to login to my online account and was unable to do so. I contacted USAA by phone and was informed that my account had been canceled. I was given no reason as to why it was canceled. I also received a letter from XXXX stating that they were adding a " Fraudulent Application '' note to my credit report that was instigated by USAA. I disputed the Fraudulent Application note and, after investigating the Fraudulent Application claim, it was unfounded and removed from my credit report. Legally, I should have been notified in writing within 60 days of USAA canceling my account with the reason for the account cancellation, I never received such notice.
I received a {$500.00} AMEX Gift Card from my company back in XXXX. It remained unopened in the AMEX gift card envelope until I tried to use it in person on XX/XX/XXXX and it was declined. 

I called AMEX Gift Card XXXX, XXXX on XX/XX/XXXX, spoke to a representative and found out that it was used on XX/XX/XXXX for {$490.00} via XXXX purchase. 

I called XXXX at XXXX and spoke to a representative who introduced herself as XXXX at XXXX XX/XX/XXXX. 

I explained that there was an unauthorized purchase made and I would like to have more information on it. 

She asked me that in order to proceed further I needed to get Charge ID # and description of purchase, and then call back to XXXX at the Charge Inquiry Dept to obtain more detailed information. 

I called the AMEX Gift Card line again and obtained the Charge ID #, but they did not have the description of the purchase. 

I called back XXXX XXXX at XXXX XX/XX/XXXX and spoke to XXXX , and again explained the unknown purchase using my Gift Card and gave the Charge ID #. 

XXXX then transferred me to another representative. When I inquired why she told me that " [ they ] can better assist you using the gift card number ''. 

At XXXX XXXX, I was transferred to an XXXX representative, XXXX, where I explained again the unknown purchase with the Charge ID #. She then said XXXX is unable to do anything about it nor give further information. She then offered to me that for further help, I can be transferred over to her Manager to which I agreed. 

I was then transferred to XXXX at XXXX, Leadership Dept. Supervisor who said " XXXX does not have any responsibility of how or where balance for purchasing goods comes from '', regardless of whether the balance for purchase was unauthorized or not. 

XXXX then told me to dispute the charge through the bank institution and relentlessly explained XXXX is not responsible about the purchase nor fraudulent card usage. She then hung up the phone on me at XXXX, XX/XX/XXXX. 

I called back to American Express Gift Card XXXX, at XXXX XXXX, XX/XX/XXXX answered by representative XXXX, and explained that according XXXX, American Express can help or dispute the charge. 

Unfortunately, he explained to me that gift cards are " treated the same way as cash so Amex can not nor will not dispute the charge ''. They can only make an internal reference note regarding this matter if I give my name, phone #, and address which I agreed to.
We had a mortgage with Indymac. We attempted to refinance and discovered that the mortgage lender Indymac was in XXXX position on the title, and our HELOC lender XXXX XXXX was in XXXX position, so that made us unable to refinance. We asked Indymac to correct their paperwork, but they knew they were going to be bought out by OCWEN, so they did nothing. Once OCWEN bought our loan, I informed them of the error on the title made by the title company. OCWEN is now suing us and XXXX XXXX ( who the HELOC is with ) because our name is on the title, even though we did not make the error. It is completely unfair to be caught in the middle of this XXXX huge corporations, when we have never missed a payment or been late, and now we have even more expenses from having to hire legal representation.
I have tried to resolve debit with Sterling Jewelers by requesting information to prove debit. 
1st issue, I requested Singed contract. No less than 4 times, none returned. 


XX/XX/2018 letter sent stated acct Sold. 
I feel they have acted in poor faith by selling account to XXXX XXXX, XXXX and not providing requested info.
I started to activate my card and the customer service rep Asked my address which I gave and she said that is a XXXX which Which was not allowed and I said it was on all my paperwork License etch. She no, I paused for minute to think if I should use Use my current address or my mothers as I was going there Because she XXXX. 
Needed the card to purchase airline tickets as I don'tLike to use my bank debit card online. 
I wanted to think for a moment so I asked if could phone back And she said yes no problem Not bothering to tell me they Were in fact. Closing for the nite. I tried to get refund from XXXX .they did not care would do nothing. 
I tried to activate online, no luck. 
They froze my account and the XXXXin it I have sent them by fax, my drivers license, state id, social Security card, voter id, XXXX id, letter from Alaska DHS, A latter from my bank And they still have not activated my card I told my mother XXXX they do n't care My mother XXXX tonite and XXXX the The card is Netspend Stay away!
I closed on a refinance transaction in XX/XX/XXXX with Guaranteed Rate I paid my first payment to Guaranteed Rate, the institution that originated my loan. 
Subsequently my loan was sold to CMC Funding The second servicer, CMC Funding, stated they did not receive the payment from the original servicer, Guaranteed Rate. 
I provide documentation that I paid the payment from my acct. 
The documentation was provided to the second servicer, CMC Funding on XX/XX/XXXX & XX/XX/XXXX. 
On XX/XX/XXXX I was told the issue was not resolved by the new servicer and the " ticket '' had been closed. 
At this time I provided the information again and now they are reporting as 30 days past due for my acct. This month is will be 60 day past due. 
This is negatively impacting my credit rating and they are not assisting in resolving the issue. 
I am told by CMC Funding to wait and they will contact me when they resolve the issue. 
I am not at all confident this issue will be resolved timely given the way the situation has been handled so far.
According to Ocwen employee with Employee ID # XXXX, Ocwen has initiated foreclosure proceedings against our property. Ocwen entered into a National Service Agreement with the CFPB and with attorneys general and state banking regulators in XXXX states, and XXXX. The consent order addresses Ocwen 's misconduct during the mortgage servicing process. It also covers XXXX companies previously purchased by Ocwen, Litton Loan Servicing LP ( " Litton '' ) and Homeward Residential Holdings LLC ( previously known as American Home Mortgage Servicing, Inc. or AHMSI ). AHMSI was our previous servicer prior to Ocwen. Ocwen must adhere to significant new homeowner protections. The consent order requires that Ocwen follow the servicing standards set up by the 2012 National Mortgage Settlement ( NMS ) with the XXXX largest banks. According to the consent order, Ocwen was to provide us a copy of loss mitigation statement in one or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. We have received a certified letter from a foreclosure attorney which means Ocwen did not provide us a loss mitigation statement no later than 14 days prior to referral to a foreclosure attorney and is in violation of the consent order.
On XX/XX/XXXX, someone used my XXXX XXXX   Visa credit card to make fraudulent purchases at XXXX, XXXX XXXX, Wal-Mart, XXXX . XXXX  XXXX XXXX, XXXX XXXX and XXXX. When this suspicious activity occurred the Credit card company ( Synchrony Bank ) contacted me, I told them the charges were fraudulent so they cancelled the card and sent me a new one.

However after two investigations, the Credit card company said my card was used at these stores and I am still liable for the purchases unless I can come up with new evidence. In my eight year history of owning the card I have never used it except for XXXX XXXX purchases, I also live about thirty miles from where these stores are located and have never shopped there before. 
Despite their " fraud protection policy '', my history with XXXX   XXXX  and them acknowledging these purchases were unusual they refuse to take the charges off my card. I have an XXXX credit score and pay all my credit cards in full each month but Synchrony Bank refuses to take any of this into consideration.
There is a credit account showing up on my credit reports that don't belong to me. The account is XXXX with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.