WillisBack/dataset-financial-user-claim huggingface dataset:
Open account with CitiMortgage  XXXX   XXXX . Account went Delinquent in or around  XXXX  or  XXXX   XXXX , which was reported to all  XXXX  major Credit Bureau pe r CitiMortgage. CitiMortgage is not r eporting the correct information to all Credit Bureau, yet ; reporting it as  XXXX . I have calle d CitiMortgage and re quested they correct this wrong information &amp; send payment history from    XXXX   XXXX  -  XXXX   XXXX  .  It would not have taken me 2 years to be or become delinquent in payments. House was foreclose and sold  XXXX   XXXX . At the present, I am in the process of having a reinvestigation submitted on my behalf and waiting the outcome of the decision.
An unexpected charge hit my account on XXXX along with XXXX other expected transactions. I checked online before making the transaction and my available balance was enough to cover the XXXX transactions I put through. TCF then charged me XXXX overdraft fees over the XXXX transactions. Had the XXXX transaction not been applied to my account I would have had sufficient funds to cover the other XXXX transactions. I contacted customer service about this issue and they stated that there was nothing they could do. I told TCF bank I would be filing a complaint and they reversed XXXX of the overdraft fees. I have had problems with overdraft fees before ; on multiple occasions I have been told overdraft protection was turned off only to have a transaction slip through anyway. I have repeatedly asked to have overdraft protection removed from my account so this would stop happening but they keep re-enabling it without notifying me or getting my permission. The XXXX transaction should have been declined, instead TCF allowed it to post and then stacked overdraft fees on top of it.
I am contacting you in regards to my student loan with Navient. To start, let me briefly explain.I had previously made payment arrangement through consolidation back in XXXX 2015 and I assumed the payments were being made through direct payment via credit card. I had no idea that my loan was in potential default. I had no access to my gmail account and was notified by my employer to contact Navient immediately. I did just that and was advised that I need to full pay my total balance due no later than XXXX/XXXX/15 which is over $ 13k.I am in not situation where I can full pay this loan and was hoping to set up another payment arrangement. I was told they will not work with me unless I am full paying the balance due and further collection action will be taken on or after XXXX/XXXX/15. I would really like to set up another payment arrangement if you can help with this matter it would be greatly appreciated. 

Thank you for your consideration. 
XXXX
In the XX/XX/2016 I submitted a request for a reverse mortgage with American Advisors Group ( AAG ) a nationally advertised finance agency which specializes in allowing seniors, age XXXX and over, an opportunity to " remain in their own homes '' by establishing a line of credit and freeing them from monthly mortgage payments as long as they remain in their home. Soon after the process began I was hit with a series of financial demands. First there was a fee of {$120.00} for a required reverse mortgage counseling course. Next there was a {$450.00} fee for an appraisal. As a result of the appraisal there was a requirement that co2 and smoke detectors be installed in my home 's XXXX bedrooms at a cost of about {$150.00}. The appraisal said the home is worth {$120000.00} with an outstanding principal on first and second mortgages with XXXX of {$93000.00}. In addition to the appraiser I also had a visit from an AAG agent and during his visit he had me sign a series of what I assumed were contract agreements which, among other things, notified my home insurers, XXXX XXXX, that AAG was now my mortgage holder. All this occurred by XX/XX/XXXX. I had no further contact with AAG until after the holidays. I had been told in XX/XX/XXXX that the process would be completed by early XX/XX/XXXX and that I would be able to use money that would be going in lieu of a XX/XX/XXXX mortgage payment to buy XXXX presents. This statement was made by my mortgage counselor, XXXX XXXX. During the second week of XXXX after weeks of not being able to contact AAG, I finally contacted XXXX XXXX. I was informed that his loan committee had declined to approve the reverse mortgage. The reason he gave was that the {$34000.00} equity to loan debt margin was not large enough to approve. On XX/XX/XXXX I received a 2nd-day air package from AAG with a form letter explaining the denial. Their reason was listed as not being able to verify enough income to cover closing costs. At no time was I ever asked in I could cover such costs nor was it ever suggested as to the amount of closing costs or that it would be my responsibility to bear them. At no time in the process prior to XX/XX/XXXX. was there even a hint that the request would be denied. I find this all ironic in that AAG 's advertising campaign makes reverse mortgages seem like a constitutional right guaranteed by President XXXX and endorsed by high-credibility spokesmen such as the late XXXX XXXX and XXXX XXXX.
XX/XX/XXXXTo Whom It May Concern, This letter is written with intentions to appeal the closing of my account with your banking institution. I have been accused of fraudulent activity and would like to plead my case. XX/XX/XXXX, I was referred to a mystery shopping job by a friend who was actively doing it. She told me that the company would send a list of different stores they would want me to check out and send a check for me to cash to have funds to shop to assist in being " mysterious ''. My friend had been working as a mystery shopper as a side job alongside her daily full-time job. She was even cashing her checks at the local XXXX in which she never got into any trouble for doing so neither was red flagged about it. So I truly believed that the mystery shopper job was legit, especially if XXXX cashed their checks. 
As a result, I filled out the required information to get me started and within five business days my starter package had arrived. To begin working immediately, I decided to cash the check at Bank of America, whom I had an active account with. Upon entering the bank, I asked the teller was it too late to make a same-day deposit, and she informed that it was too late to make a counter deposit but that my deposit would show immediately if it was made by XXXX at the ATM. So upon gaining knowledge of that, I proceeded outside to make the deposit at the ATM. The deposit was made and I thought everything was fine. 
The next day, my fianc called me on his lunch break and asked me to call the bank because it was a major problem with our account. Completely confused, I contacted the bank and was informed that the check I deposited into my personal account was a fraudulent check. An explanation was not welcomed ; therefore, I do appreciate you allowing me to appeal this issue. 
Honestly, do you think someone would deposit a fake check into their own personal account where all of their means of income goes direct deposit? That is insane!!! I would not -- -and, I did not! If I was trying to get over on my bank, I would have tried to cash it instead of depositing it and waiting for it to clear. I do hope you can sense my sincerity. 
This truly was an honest mistake that has extremely burdened my financial situation. This punishment is intense and severe. I did n't take anything from Bank of America and will not try to take anything from any other banking institution. A wrongful deposit was made, but it was also an innocent act. I was caught in a scam and am being held accountable for my ignorance of such. I am asking for complete leniency in my case. I am recent college graduate with XXXX, XXXX sons and will definitely need a bank account to have access to my funds and to make needed transactions as any other mother. Seven years is just too long time to be penalized for an honest mistake. Please reconsider. 

Thank you for your valued time and consideration, XXXX XXXX
Navient aggreed to reduce the interest rate on my account to .0001 % and take automatic payments of XXXX dollars a month to help pay down my balance. The .0001 % interest rate was supposed to begin after I made XXXX qualifying payments. I began making the payments in XXXX 2015, the reduced interest rate should have began in XXXX 2015. They never reduced the interest rate and although I continue to pay them the XXXX dollars a month, my balance continues to grow. I called the Navient Department handling my loan in XXXX 2015. They assured me that the interest rate would be reduced to .0001 % and that my total loan balance would be adjusted. When I received the statement in XXXX, my loan balance increased again. They lied and mishandled my account. I attended the XXXX New Jersey.
I bought home in 2007 and financed with first and second mortgages from Flagstar. I decided to short sale home in 2011. Flagstar dragged out the process and now I know why because of the fine assessed by CFPB for illegal practices last year - just read. Anyway, Flagstar eventually after about 6 months of haggling ( losing mulitple buyers etc ) approved my short sale. One stipulation of their approving my short sale was that they forced me to sign a promissory note to continue paying about 60-65 % of XXXX mortgage back ( & gt ; $ XXXX ). I would like to know if I have 1 ) any rights to the ordered settlement they have to pay and/or 2 ) the ability to have the promissary note cancelled? I think I have grounds for some type of settlement and will consult with an attorney but wanted to also submit complaint. 
Thanks
I received my annual free credit report from XXXX XXXX, Equifax, and XXXX credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from XXXX XXXX. XXXX XXXX never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.
This company has not answered my question in the least bit. I have supplied all the necessary information on the companies that have placed inquires on my report, they have refused, neglected to supply me with the documentation from these companies that they claim to have submitted to them ( Transunion, XXXX, XXXX ) to verified that their claims are true. Each time I request this information they keep brushing me off and just update these false claims on my report. I want proof of applications submitted by me to these companies for credit that way if there is any such documents then my information has been compromised. If they can not product documents to this effect not only do they need to remove their inquires but I need to file further claims because of the breach of my information. Also each time I file a complaint not only do not furnish proof of verification they just update the status of the item I am disputing.
My ex husband applied for XXXX XXXX & used my name XXXX a co signer. It was {$1000.00} credit line. He never paid on it. I started getting collection notices from Portfolio Recovery and asked him what had happened. He took full responsibility, & said he'd take care of it. Fast forward to 2016, we were both sued & iin court my attorney asked the Portfolio attorney to remove me from the legal action. He refused stating as long as my ex paid the monthly payments, I wouldn't have to worry. He didn't pay. I now have a lien on my home. I've disputed numerous times via XXXX XXXX & XXXX. Each time they upheld it, however, no one has provided me with proof of my signature on the contract. When i've specifically asked for proof, they just send me a credit card statement. That's not proof. I've contacted the attorneys directly and asked for this proof and have been ignored. My ex husband signed a notarized statement stating he was solely responsible for this debt. I was still ignored.
Early XX/XX/XXXX, I contacted Bank of America ( ) regarding a utility payment that kept getting returned. The payment would post to my account, only to disappear within 24 hours.Per Bank of America, a stop payment was issued over three years ago which was causing the error. The BOA representative was supposed to remove the stop payment. As of XX/XX/XXXX, and two payments later to the utility company, the stop payment has NOT been removed.As a result, I have been charged EFT fees in the amount of {$30.00} that I'm requesting BOA reimburse me. 

I called BOA on XX/XX/XXXX, and when I explained to XXXX in West Virginia, my issue, he preceded to place me on hold, then he hung up - figures. Typical BOA behavior. I have attached one bill to reflect return payment of {$250.00} and fee. Another payment of {$360.00} will be returned too which hasnt posted to the utility account as of today, XX/XX/XXXX
This is in reference to the Equifax hack - according to their online system, I am one of the 148 million affected Americans. A breach of this level is absolutely unacceptable.
We have applied for loss mitigation through our mortgage servicer, XXXX, but are continuously denied because, 'the investor does not do modifications '. We got our loan in XX/XX/XXXX and have been trying to get help since XX/XX/XXXX when the HAMP program was still available. This is a conventional loan given by a public lending institution who was legally responsible for providing mortgage assistance to qualifying homeowners. We qualify as we want to keep the home, had a reduction in income due to sickness, and now are on fixed income. We can afford our mortgage but simply need help to get current. Instead the investor who is XXXX XXXX XXXX XXXX ( Investor Code XXXX ) and XXXX want to ignore the federal laws and illegally take our home from us. Please help!
Heights Finance put a judgement back in XX/XX/XXXX i was getting a divorce at that time and could n't pay the billing. They did n't start garnishing my wages until XX/XX/XXXX I believe they intentionally waited to garnish/contact you until the debt was almost out of statute in order to accrue as much interest as possible - I have had the same phone number for a number of years. This month in XX/XX/XXXX the garnishment was terminated because Heights Finance profit and Loss did n't give the balance to them since the garnishment. I called profit and loss several times to resolve this matter before they go and file another garnishment and I have tried contacting them several times to see what your options are here and no one will even return your call. My first call was XX/XX/XXXX XXXX spoke with XXXX and she said the manager was on vacation would be back XX/XX/XXXX. So then i called on XX/XX/XXXX and XXXX and spoke with XXXX she said the manager just came back from vacation and has n't looked at his emails or files as of yet. They would call me. then i called again on XXXX at XXXX spoke with callie again and she said the XXXX has n't reviewed my file yet. I have tried to resolve this. But nothing seems to be happening. The Loan was XXXX that was for the judgement now they are wanting XXXX. I am trying to pay this but i do not think it is fair that they just now garnished it in XX/XX/XXXX. I understand i do owe this but at the time i just became a single mother after the divorce with XXXX kids. Now i can pay this but not XXXX! thank you.
This company keeps reporting on my credit an account that I do not owe them on. I have contacted this company numerous times requesting information ( identification used, signatures, ect ) that was obtained in establishing this bogus account. This company has not removed this item from my credit, now have they provided any identification or signatures used to establish this account. The company is involved in illegal practices including re-aging credit. The company told me that they are not bound by the same fair credit reporting as any other agency and do not have to take false items off my credit report. I have disputed this item with Experian and they are not doing a thorough investigation because if they have, it would be removed from my credit as this item is false and this company is irrational, uses unfair practices against consumers, and thinks that they are above the law.
I have an adjustable rate mortgage with Washington Federal. On the change date they did not calculate the new rate per the terms on the contract. I have reached out to them 3 times with no forward progress on the issue. They can not produce a copy of the loan docs. I have a copy of the loan docs. The rate should be capped at 4 %. They raised the rate to 4.875 %. There is a line on the loan docs that is titled ; LIMIT ON INTEREST RATE CHANGE ; and it states ; The interest rate I am required to pay on the change date will not be greater than 4 %.
XXXX XXXX XXXX We disagree with the balanced noted on XXXX   and Experian noted as {$38000.00}. The account was open in 2006, we need to see the past 7 year history.
I have a claim in progress but also wanted to report the company representing XXXX XXXX at XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX is reporting false information to the credit bureaus. The XXXX at XXXX XXXX XXXX send us a final bill for our apartment so we paid the full amount on XX/XX/2015. We received confirmation from the manger on duty to let us know that our account was closed and no further payments or requirements were required from us. However, I recently checked my credit report and I noticed that XXXX XXXX XXXX XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX is reporting on my account as a collection in the same amount of {$550.00} that we paid for. I contacted The XXXX at XXXX XXXX   XXXX to investigate the reason why I was in collections for the same about that we provided payment for. The XXXX notified us that there is nothing that they could do - that we had to resubmit the payment. I'm attaching a copy of the check dated for XX/XX/2015, bank statements, and my credit report to suppress my case.
I am submitting a complaint on Navient/Sallie Mae loan servicing due to several reasons. My original loan amount after consolidation from XXXX as reflected on their website was {$22000.00}. My current balance today, XX/XX/XXXX is {$98000.00}. I have called them numerous occasions to understand how my balance increased that much during a chapter XXXX bankruptcy period in which I was not aware of interest accrual and never received any correspondence of that fact. Prior to the chapter XXXX bk filling my loan was either in a default or forbearance status as I could not afford to pay the loan and the only options communicated to me was forbearance. My husband was XXXX in the military from XX/XX/XXXX-XX/XX/XXXX and I am not certain if during this timeframe there should have been some form of reprieve from interest accrual. The bankruptcy was filed after his return from the military XX/XX/XXXX due to financial hardship and his eventual unemployment. Every time I've called Navient to discuss repayment options that I can afford, they have been unable to offer an agreed upon amount that I can afford outside of a brief period in which I was paying {$69.00} for a 12 month timeframe after I sent a written note explaining my situation. Since that time I have been unable to obtain assistance in lowering the amount and due to the interest accrual don't see any reprieve or other alternatives outside of defaulting. While I did apply for income sensitive repayment plan, the calculations are based on your IRS tax returns which is misleading due to my husband 's XXXX XXXX. His income fluctuates and I am responsible for taking care of my family and paying household expenses. There is no way I can do that and pay the huge amounts they are asking me to pay on the current income sensitive repayment plan of {$930.00} for 12 months and {$1000.00} for 141 months thereafter.
Reference ID : XXXX My account has been limited for XXXX with $ {$430.00}. THere is a security feature preventing me from withdrawing funds.I dont have that phone number anymore and can not verify it
This is in reference to my complaint and disputed in submitted via CFPB in XXXX 2015 of which I have not yet had any response. The disputes complaint number is:XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and advised me what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago and I would like this matter addressed as it is causing great hardship to my life.
I was frequently solicited by mail from One Main Financial. The advertisement 's were usually offering same day loans of {$10000.00}. I would take  XXXX  loans from them from and pay them off immediately as the interest rates are in the are of 27-29 %. The third loan I took from the company was in 2013 and would be for {$5000.00}. I paid   XXXX   XXXX   of the {$5000.00} immediately and this covered my monthly payments from  XXXX  to  XXXX . In  XXXX  I would go a few days without phone service after my cell phone broke. My loan was not even a month past due and One Main representatives called my Mother, Uncle and my job and discussed the debt in detail with my relatives. This being a direct assault on my privacy rights as a consumer I phoned them and told them they what they had done and responded by telling me I have done this to myself. I refused to pay after this violation of my rights and personal damage done to my personal relationships and One Main is attempting to sue me for the amount past due plus {$460.00} in interest. These predatory lenders are unjust in their practices and in complete violation of The Fair Debt Collection Practices. I previously worked as a collection agent and am appalled at their tactics and would never discuss a debt to someone other than the debtor much less for a payment less than three months past due.
I XXXX and XXXX XXXX bought a home from XXXX in XXXX in 2008 our first loan was though star XXXX which sold our loan to chase well ever thing was good at first until i lost my job we did a loan modifcation application well ever since we did the loan modification ever time the say we default its when you get to the third payment the one that will lock you in well this is my home has been and i have been thought XXXX but i will keep fighting for my home until there is no more breathe in me can someone please tell me what to do how do you get chase to understand
Macy 's and DSNB AMERICAN EXPRESS issued me a card. This was a single card. The card was used without my knowledge or permission. This was a card that had no activity for years then in two months was maxed out. The company never notified me while it 's sudden use started or took notice some charges were not even in my city. Now, even though it 's XXXX card, XXXX credit deliqencys exist. I have repeated told them it was not me and disputed charges.
Dear Sir or Madam : The reason for me writing is to request your assistance in helping with my loan modification ; but am also in the middle of a foreclosure file by Nationstar Mortgage and request transparency to prevent any dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan modification process. 

On XX/XX/2016, I have submitted the form XXXX, Hardship Affidavit ; and Dodd-Frank Certification to my dedicated loan Specialist XXXX XXXX XXXX who is working on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX