WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX my husband XXXX XXXX, my current address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I applied for modification over three times with Ocwen Loan Servicing LLC, Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fl XXXX Contact person XXXX from the office of the consumer Ombudsman XXXX, Case number # XXXX. The modification was denied over three time the last application sent in XXXX XXXX was approved on XXXX XXXX, XXXX, after a filed a complaint to the XXXX, my contact person is XXXX phone XXXX. I raised my concern with the president of Ocwen and the time they gave me the runaround, just to tell me that I was n't approved for a HAMP. I was approved for an internal modification, which such my principal balance on XXXX XXXX was {$240000.00}, they are charging me {$130000.00} on late charges and other fees that they can not confirm. Ocwen proposed for me to sign a Balloon note for {$370000.00} dated XXXX XXXX, XXXX, In which I sent a letter replying to XXXX XXXX XXXX at the office of the consumer ombudsman requesting for then to reconsider the type of modification they were proposing. I also ask the reasoning of the kind of modification and the reason it took over two years to get an answer, which makes us more delinquent on our mortgage payments since they refused to take partial payment on my mortgage. I explained the reason we became late on our mortgage was husband got injured in the job XXXX and is a XXXX veteran, he 's pension took some time to get approved, and after his injury, we have an ordeal of medical bills. A year later in XXXX, I lost my job and was without working for about two years, currently working. I am not sure why they do not want to work with us on our mortgage. By then taking over two years trying to modify my mortgage impact my credit, and I am not able to take a loan for my children education, affecting my credit. We are not refusing to pay, and we just want to continue living in our house with our XXXX kids, and based on my husband current pension check and my salary we can afford it. Based on the latest communications with XXXX XXXX dated XXXX XXXX, XXXX, there nothing they can do, is a take it or leave it to offer on the modification sent on XXXX XXXX, XXXX. I believe their offer is very unfair, and they can not justify the balance owed, with fees that they can not justify. Please help us. Thank you, XXXX XXXX XXXX
Hello, I have been notified by XXXX that my information might 've been compromised by the recent hack on XXXX. I 've contacted XXXX twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with XXXX. 
XXXX apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest regards, XXXX XXXX
Hello, I am filing a complaint against Bank of America. I signed up for a small business checking account on XXXX XXXX, 2015. I did this in branch at their XXXX XXXX, XXXX branch. The personal small business banker I dealt with was as follows : XXXX XXXX. His email address is as follows : XXXXXXXXXXXX. 
I also personally dealt with the banking manager, whose first name is XXXX. Neither seemed interested in helping me. They did not respond to emails, and just basically blew me off. 

I met all the requirements of the promotion, including a set amount of spend on a newly opened credit card, a certain amount of bill pays, etc. 

Here it is seven months later, and I feel that Bank of America is doing anything they can to avoid paying the bonus. I have contacted them by phone, email, online chat, and have even written letters. I have personally communicated with the XXXX employees listed above, who had set up the account. I do n't know if they are intentionally not following through on the requirements of the bonus, or did not fail to set it up properly on XXXX XXXX. But waiting 7 + months for a bonus to post that was supposed to post in 2 or 3 seems shady. I was told by a consumer advocate that the CFPB is the one to go to on this issue. I am hopeful that you will be able to get Bank of America to finally post my bonus of {$1000.00}. Thanks so much, XXXX XXXX. I will attach documents for you. Please contact me at ( XXXX ) XXXX or XXXXXXXXXXXX if you need any more information.
On XXXX I contact Equifax through the cfpb.gov online gateway stating that one of my personal emails hosted by XXXX was hacked, contained account and sensitive information and since XX/XX/2016 I had been receiving account threats of bills and accounts opened in my name using my social security number address name. and the I have subsequent hard inquires as well on my XXXX consumer credit report and that I would like all inquires made after XX/XX/XXXX removed as I also initiated a Fraud Alert across all XXXX credit bureaus. However I was informed by Equifax that since the email that was hacked was not the same as the one I used to communicate with the cfpb they were not under under obligation to do anything at all. I find that both untrue and evasive if the material issue was that if my email was hacked then " I '' was compromised and need remediation as a consumer starting with the retainer and furnisher of credit inquiries and records, not misdirection and dismissal of the damages suffered. 

XXXX I personally believe they " rushed through '' the complaint with due consideration due to the impending holiday season. Please do an analysis on this and see if there is a trend to address. 
XXXX
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; This is XXXX XXXX 's SECOND response to following SPS compliant responses : I suspect that I would not be in default of my mortgage today if XXXX XXXX XXXX had execute a market principal reduction in engineering my XXXX modification. 

I need a review of what maximum principal reduction that have been in XX/XX/XXXX. I received no principal reduction in XX/XX/XXXX. Why did n't I receive a principal reduction in XX/XX/XXXX when the house was on the market and would not sale? Why have a had to pay a mortgage based on an above market value for 8 years? We should have sold the house short in XX/XX/XXXX for {$650000.00} or modified the house for XX/XX/XXXX. 

SPS appears to lack the capacity of willingness to remedy this situation. I was defrauded by XXXX at the origination and manipulated into an uneconomic modification by XXXX XXXX XXXX. 

The original Mortgage would not have been underwritten if the fact that the taxes were higher than the P & I. This was also compounded by including XXXX-XXXX mortgages. 
I have resolved the XXXX-XXXX mortgages. XXXX from XXXX and XXXX from XXXX. 
I was living in XXXX XXXX at the time. 

The XX/XX/XXXX modification by XXXX XXXX XXXX did not offer a market principal reduction And once again did not disclose the uneconomic engineering of the mortgage. That is that the P & I was lower than taxes. Please review the attached proposal from SPS HAMP competition. 

Recommendations : I receive my original down payment of {$200000.00} plus interest. 
I receive {$200000.00} second mortgages payoffs. Plus interest. 

Sincerely, XXXX XXXX, XXXX
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Now it has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
I recieved a letter from HSBC bank in the beginning of XXXX regarding dormancy on my online savings account. I called a representative at the bank who informed me my account was locked and I needed this letter/form notarized and returned to them to re-open the account. I requested that once my account was re-opened I wanted to close it and the sum of the account sent to me in a check. The representative said to just note this on the notarized form and a check would be mailed to me. I sent this notarized form along with my written request to then close the account and mail the check to me on XXXX XXXX. Several weeks later, I did not recieve a check so I called again in the middle of XXXX at which time I was told my address on the account was listed as an old address ( I argued that this could n't be the case as I received correspondence - including the dormancy letter to my current address ). Nontheless, my address was changed over the phone and I was told I would receive a check. 2 weeks later, I still had not received a check. I therefore called on Thursday XXXX/XXXX/15 and spoke to a representative then supervisor. The supervisor told me he was going to review the previous calls as they had been misleading and that a check would be XXXX overnighted to me on Friday XXXX and that I would recieve it no later than Tuesday XXXX. On Tuesday late afternoon, I had still not received a check so I called again. I spoke to a representative who told me my account was listed as " pending closure '' which meant a check was on it 's way. I asked to speak with a manager, she told me all the managers were in a meeting and requested I call back after XXXX. This was unacceptable to me so she got a manager out of the " meeting ''. The manager ensured that a check was on it 's way. I asked her to give me the XXXX tracking number, it was XXXX and she said the department that handles that closes at XXXX so they were gone. When I informed her it was not yet XXXX, she put me on hold but said she could n't get anyone. She told me the manager I spoke to on Thursday XXXX would be in tomorrow, XXXX and could get than info and call me with the tracking number. She verified my phone number and said he would call at XXXX on XXXX ( today ). No one called, so I calld today ( XXXX ) at XXXX. I explained that the manager was to call me and was told that that particular manager was n't working until XXXX today! I asked for the XXXX tracking number but am now told a new check was sent out yesterday via standard mail. I requested that a new XXXX get sent out via XXXX so it could be tracked but am told this can not be done.
Credit report shows zero balance for XXXX Service Center in New Jersey. In reality, we owe well over {$400000.00}. The credit report also shows that we have not made any payments, in reality we have paid our mortgage in full every month. This erroneous information is preventing us from refinancing our current mortgage. We are told by XXXX that there is no one to speak to regarding this problem, all correspondence must be done through fax. We did file for Chapter XXXX in XXXX of 2010. Thank you.
During my XXXX like XXXX, XXXX & flag star bank equity. Have charged me over the 6 % that was on the soldiers and sailors relief act and now medically retired I wanted to let someone know. Thank you all in advance!
I am a 100 % XXXX VET. I have been awarded 3 XXXX XXXX. I have medical through the VA. I XXXX XXXX and was having XXXX. They took me to the XXXX. As soon as I came through I informed them I was a Veteran and that they needed to contact the VA. 100 % of my medical is paid by the VA. XXXX XXXX XXXX  is reporting a medical collection account. I informed them that I had insurance through the VA and the original creditor was aware of that and needed to bill VA. I told them I was disputing the validity of the debt. They did not even attempt to verify this. They immediately started to collect the bill from me. I again informed them that I disputed the debt and they needed to send it back to the original creditor but they ignored me. They sent me a letter. I responded to it again and told them it was wrong. They just kept at me to pay them. They ignored all of my requests. The VA should have paid this bill. The VA was never contacted.
My loan has been in deferment since XXXX. I am a XXXX, full time XXXX XXXXt, and XXXX % service connected XXXX. This year, especially over XXXX, XXXX, and XXXX XXXX, certain loan amount have doubled or otherwise increased, and been reported to credit agencies. I have submitted requests for deferment and for 2 years was making payments on my loans with no decrease. My loans are not supposed to increase during deferment and enrollment full time, and I have taken no other loans which would compound current amounts. This change is fraudulent and the fees are exhorbitant. One of the loans increased from XXXX to XXXX in the space of one month. This is unacceptable and I demand Navient and her subsidiaries correct this error and adjust the fees as federal statutes outline.
I sent a validation request on some accounts by certified letter over 30 days ago and I have received nothing what so ever on my request to validate these accounts. I know for a fact the letter was received because it was certified.
On theXX/XX/XXXX I transfered XXXX to Coinbase from my bank account ( XXXX XXXX, which should take 2 business days, as it was a XXXX. My bank says that coinbase have the money, but it is not showing on my Coinbase balance.

I have contacted Coinbase, and logged this issue with them ( XXXX ) I did this on theXX/XX/XXXX They sent me an email back which was of no help, saying just to wait and see what happens. 

I am very worried that I have been a victim of fraud. I hope you can help me.
Equifax was hacked, so my information is at risk. I think this is a gross misconduct, especially because they knew for a month without telling the public.
I lost employment in XXXX XXXX and can not work due to an injury on that same job in XXXX XXXX. I contacted my mortgage company to apply for a Modification. At the time My income was over {$XXXX} per month for three months ( until my contract as a XXXX ended ). I explained that after that time my income would end and I would be on Workers Vompensation insurance. I did receive a Modification that reduced my mortgage payments from just over {$1200.00} per month to about only {$1100.00} per month. After one year, XXXX XXXX, I called again to see what help I quaualified for and was told that I 'could n't get another modification within two years '. I told them that I did n't think that was the law. I was also informed that I would be considered for forms of help. The result was I did not qualify for any help from Wells Fargo Mortage although I have been a mortgagee for over five years had a good payment history for those years. I informed my representative that I was unhappy and believe they trying to force mebintonforecliser. I am XXXX years who have divorced for over 13 years. So, I needed the temporary help until my injury is treated and I return to the workforce. I am very displeased that they dropped my mortgage payment about {$100.00} after the Modification. However, when I contacted them in XXXX XXXX I was seeking temporary help until I was able to return to work. However, I was asked about selling on a short sale and other questions that led me to believe they rather force me to foreclose. Sine, that time, I have received letters demanding that inpay XXXX payments or more at a time to catch up. I told the representative that I could stay near caught up ( XXXX payments behind ) until such time as I file for my income tax refund in XXXX XXXX. Although the company when through all the protocol required to help me, I feel that their intent was not to consider me for another Modification, nor for other help. They continue to ask if I want to keep my home as a standard question. I have always told them Yes. But, I do n't believe that they are theists rested in helping, even temporarily. I need for them to help me with lowering my payments for as long as it takes me to get on my feet from the injury.
I have received numerous letters from A.R.M Solutions INC stating that I owe {$9.00} for a delinquent account from The XXXX. I entered into an agreement to receive limited issues of XXXX in 2014 ( estimated ) through a XXXX door to door donation special. Through my donation I was set to receive a specific number of issues of the XXXX. I did not sign up for or agree to receive any additional issues or extend my subscription. However, according to them and A.R.M. Solutions I owe {$9.00}. I believe this is an illegal process on the part of XXXX. Forcing me into purchasing additional subscription, without my permission or expressed willingness.
On XX/XX/2018 I submitted a request for Method of Verification to Experian Credit reporting Agency for the XXXX XXXX XXXX account # XXXX. I received an email XXXX at XXXX from Experian telling me that the investigation should be completed by XX/XX/2018. 

I called Experian on XX/XX/2018 at approximately XXXX and spoke with XXXX , who said that XXXX has about 30 days to respond to your dispute. I attempted to explain to XXXX that I sent a letter directed to Experian to send me their method of verification procedures and it should be done with in 15 days. XXXX mention that he had previously talked to me about this account, and I would be notified of the results within 30 days. He asked was there anything else. The called ended after I said no. 


At approximately XXXX EST I filed a formal complaint with the CFPB, Complaint # XXXX ; concerning Experian total disregard for FCRA- method of verification. 


At approximately XXXX XX/XX/2018 Experian sent and email alert to me, telling me that my dispute concerning XXXX was completed and the results are ready to be viewed. 

Experian has once again violated my rights as a consumer under the FCRA. Experian did not even bother to preform a fair and reasonable verification investigation. All they seem to have done was either go through XXXX  or just updated the negative account themselves. 


Because of Experian total lack of regard for FCRA compliance requirements, I have suffered financially as a credit consumer. 
I strongly believe that Experian is retaliating against me for filing a formal complaint against them.
A complaint was filed by me against  Eastern Management Group  on  XXXX / XXXX /  XXXX  , which was received by the company, investigated, substantiated, and resolution is noted by the company. The employee had been terminated as part of resolution, and a cease and desist was in place as of  XXXX / XXXX /  XXXX  , per "  XXXX  '' at  Eastern Management Group o n  XXXX / XXXX /  XXXX  , as I had to call them after they contacted my mother about this matter, see the documents provided, on  XXXX / XXXX /  XXXX   around noon AFTER a cease and desist had been noted on the file on  XXXX / XXXX /  XXXX  . The employee at  XXXX   XXXX   XXXX  validated for me, on a recorded line, that this should NOT have happened, and all contact should have ceased on  XXXX / XXXX /  XXXX  .
Navient has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
Navient also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total
My complaint is with American Express, A couple years ago I did the Soldiers and Sailors relief act to get my interest rate reduced with them. Since that time I have made some purchases which are subject to the 9.99 % APR on my Credit Card. I have no issue with agreeing that I owe interest on that amount. What AMEX is doing is actually doing when I make a payment, they are increasing my Purchase amount on my Credit card and lowering the amount of the 0.0 % rate. I have not made any purchases on my credit card since XX/XX/XXXX, and since then they have increased my amount by the interest amount. Nowhere in my bill or Terms of Service does it state that interest is a purchase. By doing this American Express has increased my purchase amount by {$50.00} dollars which is subject to the 9.99 interest. Even though I have no made any purchases start from XXXX 2015.
I submitted an application for refinance XXXX 2015 to Chase. I returned documents nearly immediately upon request and was told everything was good and clear but that the underwriting team was a bit backed up. Over 3 month later, I was informed that my loan was rejected due to the condo building not meeting an agency guideline. I understand that this eligibility criterion is not set directly by Chase, but this issue should have been identified and communicated much earlier in the application process. I could have gone to another lender who specializes in portfolio loans long ago. This has cost me the ongoing higher rate of interest, missed opportunity to lock in where interest rates where when I filed the application, and the Chase application and appraisal fees. Furthermore, my condo building has a certificate from Chase that the building has been " pre-certified '' for lending with Chase, and I provided a copy of this certificate to Chase. Also, I was told by the Chase resolution team that my loan was not considered for a non-agency loan because I do not have sufficient assets for a non-owner occupied property ; however, the mortgage officer only requested statements from XXXX account that he believed was sufficient to clear underwriting requirements. I have additional assets for which documentation was never requested, so any decision around the adequacy of my assets should not have been made without the full picture.
I purchased a vehicle and have Capital One Auto Finance as the lender. When I attempt to make my payment it will not allow me to set up my payment on the due date. My payment is not due until the XXXX of the month. The system only is showing me a due date up to the XXXX which is about 2 weeks earlier than due date. I had the same issue last month and called to let them their system is not allowing the due date to show. The representative stated they would pass the information on to determine the issue in order to resolve. I have to either make my payment early or remember to go in closer to the due date to set up the payment for the month. This is unfair to the consumer because they either have to pay earlier than the due date or consistently go back in to see when the date is highlighted to set up the payment on the day they want.
I applied for a personal loan to consolidate some credit card debt in XXXX XXXX. I applied online via the XXXX XXXX website. I was offered a XXXX loan by lending club. When I discussed the terms with the representative I expressed concern about the 18 percent interest rate given my credit history. The rep argued that without collateral a higher interest was the norm. I reluctantly accepted with the mindset that I could later renegotiate the interest rate with consistent and timely payments. After I agreed to the loan terms, I realized that the APR was nearly 23 percent but the representative NEVER disclosed this during our conversation. I think the companys treatment of my loan application was predatory in nature as there was no regard for my past credit history and per the Dodd-Frank Act full disclosure is required of lending and financial institutions.
Requesting the removal of hard Inquiry dating XX/XX/2015 on my Equifax report from FIA/CS. The lender in question in written correspondence attached, has no knowledge of it. Please have it removed as soon as possible. .