WillisBack/dataset-financial-user-claim huggingface dataset:
I feel I was forced into taking this Interest Only Loan that has a First Mortgage and a 2nd Mortgage lien on my property. I am older and have now been paying on these TWO loans for 10 years interest only and have NO principal pay down on my loan. I've worked so very hard to keep up the payments each month and have for XXXX  years on two loans. Due to this stress and constance work schedule I am now terminally ill, unless I receive a XXXX XXXX. My insurance and XXXX require that I go with a XXXX XXXX XXXX in Texas. I tried to get a transplant in XXXX XXXX, closer to my home, which is in XXXX, Nevada. But my insurance company would not approve the expense in that area. So I was given no choice but to move to Texas. The move an expense of the move cost me literally thousands upon thousands of dollars now. My moving truck with all my items was robbed and all my valuables were stolen. The move itself cost over {$XXXX} dollars. I am working with my XXXX in XXXX, Nevada to Short Sale my home. We have a good offer and it is nearly enough to pay off both the 2nd and the first mortgage. Although, XXXX XXXX will not provide me a moving expense credit on the Short Sale. I know the loan that was sold to me at the time I purchased my home is now considered a predatory loan and with my payments at total of {$XXXX} for both loan & are with the same Lender ( see attached Mtg Stmnts ), I have now over a XXXX year period paid them an estimated {$XXXX0}, XXXX. I know my XXXX has been getting the run around by this Lender and mainly the Investor! I do not wish to take this to court proceedings, I am trying to work with them due to my health condition and are trying to not get upset. Although, the unfairness of denying my relocation expense of {$XXXX} is going XXXX XXXX me to seek an attorneys assistance. But I was told by my XXXX XXXX Might be able to help. I am asking you help me close on this Short Sale as soon as possible please with obtaining a {$XXXX} XXXX Assistance. I am attaching the HUD XXXX showing the request for the funds and how much the Bank/Investor will be gaining with the sale. Please help me for I need assistance and need this all to be put behind me so I can move forward, regain my health and live peacefully.
I wrote Transunion informing that I did not sign any documents on any hard inquiries on my credit report. Transunion wrote back and said to stay off the internet and it will stop. No investigation are anything. Poor customer service
XXXX Care Credit is stating on my credit report that I owe them {$500.00} on behalf of Care Credit account. I had a old Care Credit account back in 2010 that was paid in full for 2 years. Payments were made on time and monthly. No balance was left and now XXXX is reporting to the credit agencies that I owe them {$500.00} which is not true. I have contact them to ask for proof three times last year and yet they have followed up or responded to any of my request to validate the debt. However, they are still report this as negative on my credit report and it causing many problems for me and affecting me being able to establish credit for an auto loan.
I am unable to access the ATM machines inside the branch after hours. The card reader to allow entry into the branch has been broken on 2 separate occasions. This happened at the Bank of America located at XXXX XXXX XXXX XXXX XXXX, IL XXXX United States
I have mortgage through XXXX. I was served foreclose papers and I called them hoping to resolve the issue. I can not refinance my credit is poor due to divorce. Their real estate support team put ne on on program. They said fee was {$1600.00} I paid {$2000.00} THE balance to go to mortgage pmt of XXXX in XXXX of 2015 I pai in XXXX XXXX in XXXX they are calling me telling me I am 3 months behind tried to explain but it 's just a call center and no one knows anything. I simply want this cleared up. My health is suffering
Deposits made at Ally are stated to be available as first {$200.00} next business day and the rest after. Regularly, I make deposits on the weekends. The availability notification ( email ) is not sent until Tuesday morning. Usually this email says some is available Tuesday ( although this is actually 2 business days ). This case had about {$700.00} ( XXXX checks ) deposited Sunday morning. Assuming they would at least be partially available Tuesday, I scheduled bill payments for Tuesday and Wednesday. I received an email Tuesday morning that multiple overdrafts occurred. Then I got an email that my deposit checks would be held for XXXX5 business days from this Tuesday. I called and they said in fact 5 business days from Tuesday, meaning that I made the deposit on XXXX and it would be available XXXX. The reasoning is " too many overdrafts ''. 

My issue is that 1 ) I was as never notified that I 've had " too many overdrafts '' and fell into this category. It has never been this way. I have never had a bounced check. How many is " too many ''? Why 5 days instead of XXXX, in XXXX? Why 5 days from Tuesday, not the day the deposit as made? If the deposit availability was clearer, I would never have overdrafts but this cycle just continues. 
2 ) the bank should notify me, at the latest, Monday, for a Sunday deposit if there will be a hold l, so that I can not schedule bill payments. This would prevent these overdrafts 3 ) the reason this check is on hold ( overdrafts ) is causing more overdrafts and thus continuing the cycle. 
4 ) with this very long hold, there will likely be an overdraft every single day from now until the money is available. A {$25.00} fee each day for the next XXXX8 days, plus the returned payments from the loans/creditors. It will end up costing me more in fees than the original deposit and in the end I will again be negative and overdrafted from the fees, even after the deposits are made available. 
All of this could have been prevented and been more fair if the bank had notified me that either my account was in this situation where desposits would be held or notified me in the first 24 hours of making the deposit that this would be the situation. Neither was done, and I assume it was in order to capitalize on the massive fees. 
This entire practice is so very unfair. It is my money being held so long and at the bank 's discretion, which they deceptively practice. It continues the cycle of massive overdraft fees and making the bills I try to pay bounce. 

This bank also practices processing all outgoing payments prior to all deposits for each day which maximizes their overdraft potential. This has left me with a positive balance for a day even though I ended up with overdraft fees. Again, very deceptive and maximizing these fees, in addition to putting me into an unnecessary category of " too many overdrafts ''.
In XX/XX/XXXX I borrowed {$45000.00} on my XXXX XXXX XXXX XXXX XXXX XXXX, with a XXXX % APR for 1 year and a fixed interest rate of XXXX % thereafter. Meanwhile, my loan was sold to Barclay, who proceeded to charge me 16.99 % variable interest. For 3 years now I have spent HOURS on the phone with them, asking for them to XXXX ) produce the original contract ( which they claim to have never received in the purchase from XXXX, when I contacted XXXX, XXXX told me they had given it to Barclay, Barclay again never received, etc. ) ; XXXX ) honor the original XXXX 8.99 % interest rate ; XXXX ) provide me the courtesy of sorting this out. I have always paid above and beyond the minimum payment due. I always initiated above said phone calls. On various conversations, I was informed that the APR was reverted back to the XXXX FIXED rate, yet this never occurred. I also quit using the card as although I would pay in full that month 's charges, along with at least that month 's minimum loan payment, and always on time, yet interest always accrued on the current charges ( which never were beyond their 30 days due XXXX. Verbally, they claimed this was not to happen, yet on my statements, it always did. Just this last XX/XX/XXXX I was alerted by a recorded telephone message that my XX/XX/XXXX payment had not been received and is now past due. Until this point, I had never been late on this account. I had also sent in this payment. I called to find out what was going on, and they had attempted to take the money out of a checking account I had closed over a year ago ( which they had known about the account closure, as I had given them a different account from which to withdraw funds ). This caused the payment to be declined. I immediately called, and was told that late charges were removed and my payment was accepted. Upon receipt of this month 's ( XX/XX/XXXX ) bill, it showed me now owing twice the minimum payment due, and unbeknownst to me, XXXX of my XX/XX/XXXX 's over payment did not go towards the principal balance, but was applied toward XX/XX/XXXX 's amount due, subsequently accruing even more interest on the principal than their already unfair interest charges. This unfair practice happens over and over and when I call I do n't seem to get resolution, and no one gets to the bottom of this nightmare. I have yet to receive copies of the original contract, and I have never been a bad, defaulting or even late customer. I look forward to some sort of fair and courteous resolution. In frustration today, I advised them of my intent to file a complaint in regards to this matter, and the representative 's response to me was, " Do what you got to do, and good luck with that. ''
To Whomever it may concern, I lost my home to foreclosure in 2006, prior to that I attempted to file for bankruptcy in order to save my home but it failed. During that time all of my bills were in limbo.Once everything fell thru I was contacted by I believe at the time XXXX XXXX XXXX XXXX and then Pressler and Pressler stating that they had purchased a debt from XXXX for a XXXX telephone bill of {$120.00} to which they state is now well over {$800.00} in which I 'm not even sure is mine. As the years have gone on I finally said lets be done with them and just pay it. I set up a payment arrangement with them and after my second payment, they placed a levy/hold on my bank account without notice and proceeded to try and take my money in which the court returned to me. I have been living in fear of them for over 10 years. They have harassed, threatened me and any family members that they could get a hold of. I 've moved and I feel like I 'm in hiding over such a trivial matter but it 's just the response to the fear that I have of them. They are by far the most ruthless and unethical law firm that I have ever come across or know of. I just want to be able to get a bank account with confidence without worry about whether or not they will find a court or judge to sign off on a judgement without knowing all the facts and proof that it 's a debt that I owe. And above all else without proper notification to me. Please help. I 'm not sure what to do.
I reached out to XXXX to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

I provided the list- XXXX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made TransUnion aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, that you can not operate in the State of Texas with a XXXX. '' I am in need of another Investigation to remove them from my credit report please.
There are fraud items on my credit report, all the other credit bureaus have removed and corrected this information expect Experian although I have provided all the information they requested of me including police report. 

Fraud account ; XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX   XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX Fraud Inquires XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX
XX/XX/XXXX I contacted XXXX XXXX of Huntington Bank for a mortgage preapproval. After paying of back taxes and presenting additional financial information XXXX stated he contacted the credit agencies to have the tax information removed from credit reports. He sent me a preapproval letter on or about XX/XX/XXXX. On or about XX/XX/XXXX I sent him a purchase agreement for a condo I wanted to purchase. I was waiting for XXXX to send me the loan application so I can begin to close process. I contacted him over and over most of the time with no response. I intended on using down payment assistance from OHFA because I had limited funds, so I asked XXXX if he had submitted the documentation to OHFA, he asked if I could get gift funds from some one because he did not want to deal with OHFA 's grueling paperwork. I told him I needed those funds and I did not hear from him for about a week. When he finally emailed me it was to tell me he could not do the loan. Then responded with counterclaims for his reasons why, which caused him to contact me by phone and state he made an error and would look over my documents again. I called back again asking me if I could get gift funds and I stated no. A couple of days later ( XX/XX/XXXX ) he sent me loan documents not including the down payment assistance funds and over {$6000.00} in closing cost. I sent him an email with questions which he never responded. I was due to close on XX/XX/XXXX and I had not received a response to my calls, texts or emails. Then after calling him about 9 times he answered and said " he was not able to get me approved for the same reasons as before. '' The reasons before were not valid. Now I have losed the opportunity to purchase my dream home and I am homeless.
There were fradulent ATM transactions from my accounts when I was travelling to Alaska. All the transactions ( 5 of them ) were in and around XXXX XXXX while I was in Alaska, were ATM withdrawals of {$300.00} each. The ATM card was with me and the pin number is very secure and nobody other than me knows the pin, including my spouse. I raised a complaint with Wells Fargo bank online and they mentioned that since my card was secure and my secret pin was not used, this is some fraud charges and took my case. after making me wait for 2 weeks the bank got back saying I made the withdrawals myself and held me liable for these charges. This is a case of low security on my card and the account was supposed to be {$0.00} fraud protection premium account. I park majority of my liquid funds in this account with this trust. My card is already blocked and the online account is disabled, but more than me wanting to find who did the fraud I want the {$1500.00} back. The bank did not ask me any proof for alibis and my card usage outside the area where the fraud took place, not sure how they came to a conclusion that this is an authorized transaction by me
Two banks XXXX and Bank of America are now saying they will stop doing business and extending credit with business and maybe in the future people who are involved in the gun industry and rights.

These activities are legal under law and the banks are using their power to dictate what happens in the US shutting out business and people who they disagree with then controlling the public. 

This tactic in the future could be used against anything they disagree with or want to control or sway in the country. 

This situation sounds highly worrisome.
Rushmore has intentionally obstructed the loss mitigation process for our home, has engaged in unethical and illegal foreclosure practices ( pay to play?? ) as well as denying access to mediation as required by New Jersey state law. My family has owned our home for 41 years and have attempted on multiple occasions to work out a loan modification or sale of the property. Instead of considering options and conducting a fair review Rushmore has blocked us at every turn, attempting to sell the house while still under federal bankruptcy protection and informing us that we can't be considered for any type of compromise or work-out solution unless we pay $ XXXX in cash upfront??? Rushmore along with foreclosure firm XXXX XXXX have engaged in unethical and illegal foreclosure practices and have my family facing a foreclosure sale date scheduled for XX/XX/XXXX. This was set up even though our home is still under bankruptcy protection but they have attempted to file a motion to remove stay so they can steal our property. My husband was a very successful XXXX  who XXXX XXXX XXXX XXXX XXXX and we never had a problem with our mortgage until Hurricane Sandy. When we struggled financially we tried to work things out with Rushmore but my husband passed away last year and they refused to continue negotiating with us. I provided them with the legal paperwork showing I was the rightful heir and executor and that they should negotiate with me but no progress. We gave them a good faith payment of $ XXXX in hopes this would break the logjam, but we found ourselves back in the same situation -- no review of our current and correct financial circumstances and a rush to auction our property. We have some equity and have also been trying to sell the property but they won't give us time. 

We took out this adjustable loan through XXXX in XXXX and then switched to XXXX. Hurricane Sandy destroyed our home and the government got involved and XXXX dropped our payments from {$8500.00} a month to {$5000.00}. In XXXX the loan transferred to Rushmore and they suddenly raised our payment to {$13000.00} a month. This corresponded with my husband 's health issues ( XXXX then XXXX ) which limited the amount of time he could XXXX   XXXX  -- this was exacerbated by a servicing transfer on our boat loan to XXXX XXXX. We had renewed the loan every 7 years but when XXXX took over they called the note in ( XXXX XXXX balance ) and we had to sell the boat. At that time the boat market was soft and we could not find a buyer to pay full price -- we found one who offered 75 % and XXXX XXXX  said they would accept that but they wanted to use their own broker on the deal so they could double-dip. When that fell apart XXXX called the note and seized our assets and bank accounts. This began the problem with the mortgage and ultimately when my husband passed away Rushmore blocked everything.
I had auto-pay set up with my Bank of America ( BoA ) travel rewards card to pay for the " amount due '' since XX/XX/XXXX when I first obtained the card. The setting was never changed and payment always went through correctly paying the full amount due until XX/XX/XXXX when suddenly only {$25.00} ( " minimum due '' ) was drafted. I was charged a fee. I called BoA and had a 3-way conversation with Bill Pay and credit card, I paid the rest due and was told during this conversation that to have the full amount paid, I should check " statement balance. '' Although I find it odd ( why was the minimum was paid when that was never the selection ), I followed the recommendation and changed it to " statement balance ''. The fee was refunded as promised. However, in XX/XX/XXXX, {$1900.00} was drafted from my XXXX XXXX checking to pay for {$320.00} on my balance. Thus my account was over-drafted for {$1600.00}. I called BoA when I discovered this 3 days after it happened on XX/XX/XXXX, and was told that they can refund it but it 'll take 5 days. After I noted that this should never had happened in the first place, the manager I spoke to said it 'll be expedited to 24-48 hours. Today is XX/XX/XXXX and BoA still owes me {$1500.00} ( after deduction to pay for a recent purchase ).
XXXX XXXX is reporting a collection account for XXXX XXXX XXXX in error. This account was paid by XXXX XXXX XXXX XXXX XXXX, and should not have gone to Collections. 
XXXX XXXX NEVER validated this debt with XXXX XXXX, nor did they validate that it was paid by XXXX XXXX XXXX XXXX. I have never received nor authorized anyone from XXXX to validate with XXXX XXXX so I know they never have. 

Per the FCRA XXXX XXXX they have not properly validated the debt, and it should be removed from my Trans Union Credit Report.
in XX/XX/2010 I paid about 40 thousand dollars to Litton Loan Servicing. They were supppposed to apply it to my account but never did.
to whom may it concern my name is XXXX XXXX XXXX, i was recently a victim of identity fraud, apparently they have opened a credit card ( Best Buy ), they made a purchase for over XXXX XXXX. the person behind this also tried to change the address in order to open different accounts. they have also attempt to run my credit not once but multiple times, due to many attempts to open different accounts my credit score is under XXXX. 

sincerely XXXX XXXX XXXX ( XXXX ) XXXX
Back in XXXX XXXX I lost my job due to the economic turn-down. I was unemployed for six months during this time and did not have the ability to pay my rent. During this time I applied for a mortgage modification ( please bear in mind I bought my house in XXXX of XXXX and was financed through First Horizon XXXX XXXX at an interest rate of 7 % ). In XXXX XXXX I was employed XXXX, XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX two things occurred, 1 ) I was approved for the loan modification and 2 ) I was XXXX to XXXX. By the time I returned my loan was sold to XXXX Mortgage. I just learned from XXXX XXXX Mortgage that my mortgage was reset forward to XXXX. In other words it appears that I have only had my home for six years when in fact I 've had it for 15 years. First Horizon took my money, nine years of it, approximately {$120000.00}. I want the credit for all 15 years that I 've been paying mortgage. How gives an entity almost {$120000.00} just for the XXXX of it? It is n't fair and I need some assistance with getting it. Also, this is a VA Home as I am a XXXX XXXX Veteran. 
All that you can do to help me would be greatly appreciated. 
Thank you. 
XXXX XXXX XXXX