WillisBack/dataset-financial-user-claim huggingface dataset:
I 've been trying to combine my two mortgages by refinancing for the pass six years I 've owned my home for ten years I call them two to three times a year because they send me letters saying I qualify to refinance through the program HARP and when I talk to them they say I do n't qualify because I 'm not In Crisis because I 'm not late with my payments but what they do n't know is every time they withdraw the money from my account it overdraft but they do n't care as long as they get their money so why send me the letters at all and they also told me I was going to be able to combine them and refinance after two years and till this day they ca n't because my home is not worth what I owe but it 's not my fault since they could n't or just do n't want to refinance because of all the interest they are making of me I 've paid so much interest in this ten years my home could of been paid off by now. And for the pass few years each year they keep over charging me on my escrow they keep telling me that my escrow has been going up and so that 's why I have to pay more money on my mortgage which I ca n't afford and I called the escrow company and they told me that my taxes has n't changed so that only means they are taking and keeping my money I 've call them about it and they say otherwise I thought I was the only person that was going through this with them but I read online that are with this company that are going through the same thing and it 's because we are letting them get away with it because we do n't want to loose our homes and no one will help us and make them stop abusing us and taking advantage of us but maybe yous will help us all that going through the same as me and make this pay for what they are doing to us.
Since 1999, my condominium mortgage loan has been re-sold several different times, to several different companies. Right now, it is with DiTech. DiTech does not just send me my monthly billing statements, however. They also send me " sweepstakes offers, '' " refinance offers, '' etc. I have told DiTech ( & before them, GreenTree ) numerous times that I do not wish to refinance. I have told them this by mail, & by phone. I am also on the " OptOut List. " DiTech sends me their " offers '' in a white, blue & red envelope that looks just like the U.S. Postal Service " Priority Mail '' or " Express Mail '' envelopes. On the outside of the DiTech sweepstakes envelope, it states : " Time-Sensitive Information, '' " Urgent, '' " Tracking Code, '' & " Confirmation of Receipt Requested. " I feel that DiTech is trying to scam seniors, or those who may be confused, with their " DiTech Home Loan Sweepstakes '' envelopes & mailings. I am filing a complaint with your office, as I want other people to be aware. Thank you for your time.
I have started a Loan Modification in XXXX and Freedom Mortgage Keeps asking for unusual documents or they keep delaying the process. Such as they asked for my year to date breakdown of my business documents such as profit and loss and I sent that to them just as they asked and then all the sudden they wanted it broken down in month to month and that was not how they worded it on their paperwork and they had involved their attorney saying that I did not get the paperwork back to them in a timely fashion. So when they involved their attorney I told her that I send them the paperwork immediately, that I do not wait, they claim they never receive it so I have been working with her in the mix since XXXX showing her that they loose everything that I send them. Their attorney gets it and they claim not too. When they ask again and I send her a copy of the paperwork she pulls the paperwork I have sent and then in turn sends it to the underwriters. I am not sure why they will not approve our Loan modification and why they are trying their best to take our home. I have produced paperwork that they think I possibly can not produce and I get it. They recently have asked for paperwork about our food stamps card and what and where we spend our money on the card like we lie about it. So I literally had to get a listing of the places that I shop for our food and how must is spent at each and every store and what is bought at each store. This is degrading. My husband got sick 2 years ago after having a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they were told that. We have had a hard time with payments and have asked for help. This year a customer, since I run a XXXX XXXX, stole {$13000.00} from us and it put us very far behind, but they will not help us. They keep pushing us further and further behind. Like they want to put us on the street. My husband was just diagnosed with XXXX XXXX and now they want us to be put out. Freedom Mortgage is the worst company I have ever had to deal with. Please keep any other veterans from having to deal with them
We opened a Citi AAdvantage Mastercard XX/XX/XXXX. In order to earn an account opening bonus of XXXX XXXX XXXX AAdvantage miles we were required to spend {$1500.00} in the first 90 days. After not seeing the account opening bonus post to her AAdvantage account, my wife contacted Citi via chat on XXXX/XXXX/XXXX to verify we met the terms of the promotion. Citi stated the promotion was actually {$3000.00} in 90 days but that we had indeed met the terms of the promotion, despite the mis-understanding and that the bonus miles would post soon. After a further 60 days the miles still did not post to her AAdvantage account. I then contacted Citi via chat on XXXX/XXXX/XXXX and was again told that the bonus miles were indeed earned and would be posted to the AAdvantage account shortly. After additional time had past without the bonus miles posting I contact Citi yet again and was only then told we had not met the terms of the promotion and no miles would be awarded. Despite multiple confirmations that we had met the terms, we suddenly had not.
At the age of XXXX years old my father sign a mortgage agreement with NATIONSTAR Mortgage I ready do n't thank he know what he was doing or understood the agreement.
Case number : XXXX I 'm having problems with login and no password has been emailed to me. 
As of two days ago I have received letters from XXXX and American education services, they have denied me again! ( From AES : We reviewed your application for loan discharge due to an unpaid refund and determined that you are ineligible or that additional information/documentation is needed ). They denied me due to missing information, and texas workforce stated they ca n't provide any records and I have called all over XXXX, texas no one is n't helping me to locate the attendance records, and refund from the school? So where is the help this is unjust, I have call state agencies, U.S. Dept. of education, and state district NO HELP! I 've even tried to speak with the Loan servicer of AES all they can state is you signed a promissory note, yes but where are the documents? where is the refund? I really need help assistance, because the school had closed and I have n't received the funds back from the school? I have paperwork that was giving to me, obviously someone is either hiding the true facts of my records/refund from the school? I do not have a certificate, and If i did have a certificate I would be working as a transcriptionist.I have n't graduate from the school, if there is no records of me attending the school why i 'm I paying on a loan that I never exist at this school? 
Even more they had me assuming that I have to payback this loan, and the only thing at the time was to consolidate, I had a trouble life and that going to school was the best option for me, but when the school did n't have XXXX programs I tried to leave the school then, they stopped me and place me in transcriptionist classes. Not long I withdrew from the school. Signed paperwork. No one do n't have any records of me attending school? Well other then Federal Student Aid has the school showing but no attendance dates is present. 
I did go to this college, but I withdrew and the refund was never credit back to XXXX XXXX/ or to me. 
College : XXXX XXXX XXXX
After reviewing my credit report ongoing .. There 's a collection Agency. . National Credit  Systems.. A Balance of {$5000.00} ... Opening date    XXXX   XXXX    , 2016.. Th at 's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it 's showing as if the collection is new.. And it 's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. And  all have done so except   XXXX   ... I have not lived at this address or apartment complex ...   This is Really starting to be a pain.. Because what they are reporting is not accurate and it 's Fraudualant..
My account was being paid in installments BEFORE it is negatively reported to the CRA 's. In the payment process, it was agreed that the payments be XXXX equal payments, the last being processed XX/XX/2017. I and my family have received repeated calls about the count between the payment processings and the most recent was to my mother with the representative stating that I gave THEM authorization to call her on my behalf and to ask for my contact information. This is incorrect and a flat out lie. She had no idea who they were and refused to give them my information. When I called and told them it was improper to do that, I was told they did not call her but have screenshots of her cell phone with their number listed.
The US Bank XXXX XXXX card promises 5 % cash back if you use the card to pay for your gym membership. I saw that my gym, XXXX XXXX, is specifically named as an example on the US Bank XXXX XXXX card website. That got me to sign up for the card and sign up for the 5 % deal. I noticed that I have not received the cash back as promised. When I called to complain, I was told that their system shows the charge as recreation and not as a gym, and there was nothing that could be done. And that I would have to get XXXX XXXX to change the way they charge their clients!? To my mind this is fraud - advertising that XXXX XXXX as an example of the gym that participates, but then not honoring that commitment.
Started by calling COINBASE, a currency trading company located in California, seeking help to download their app, since all the codes sent to me by them failed to download the app. XXXX XXXX, supposedly a company representative answered the call & offered to guide me step by step to download the app & be able to trade when I want to. When I noticed that my account balance dropped markedly, I went through all the transactions to find out Coinbase company had withdrew significant amount of money totaling {$70000.00} within less than a month without my authorization or consent. XXXX XXXX claimed that was illegally done by a former employer that was fired, but then he claimed that it was a computer glitch, but he promised that all my money will be refunded back to my account. Coinbase refunded {$6500.00} & XXXX to my account but no more. A balance of {$53000.00} is remaining to be refunded. When I failed to reach XXXX, XXXX again, I called Coinbase tool free, they indicated that the account is on hold & being investigated by security dept, but they offered no further details. ( Any transaction with Coinbase, needs to be done from their app on my own PC or my phone. Until now this app is not installed on either one. ). In short, I never placed any order, authorized any fund withdrawal or placed any order. 
PLEASE REFER FOR MORE DETAILS IN THE ATTACHMENT
National Credit Adjusters has reported a debt for a company called " XXXX '' on my credit report for {$2100.00}. Attempted to dispute debt and have requested validation of debt. Disputes have come back as " Debt confirmed ''. No paperwork or anything sent.
American Express on the card number ending XXXX charged an annual interest rate of 29.99 % on a balance of $ XXXX
They are sending out robotic messages to not only myself but two other references that they may have in regards to me implying that they are some type of legal entity by the messages that they leave. Demanding that the people report to them about my whereabouts. I have contacted them 3 times already. I have refused to validate my social security number but I did give them my name. They assured me they would continue to keep calling until I verified it. I told them to cease and desist and I have sent them a written cease-and-desist order.
I moved out of a property in 2014. I discussed the move with the property manager at XXXX XXXX XXXX. She advised that there would be no late fees or collections associated with the early move out since she had a tenant who would be moving in immediately. None of the charges were for damages or carpet. Through some mis-communication, the item was turned over to Executive Credit Management who reported it to my credit bureau. I disputed this with XXXX and they left it on my file.
Date XXXX XXXX2016, Amt. XXXX ; we do not owe this balance.
I applied for a reverse mortgage and everthing was going fine until my appraisal came in lower than expected. Immediately my income became a issue and I was asked if I received any other income other than XXXX. I was then told that my income did not transfer over correctly and that my Student loans and car payment was to much to pay my taxes and insurance. I submitted the correct figures but was still denied because of income. My denial stated that I withdrew and when questioned, I was told that is the procedure when loan do n't qualify.
I just recieved a alert from XXXX XXXX stated a new line of cresit opening today XXXX ... .I did NOT open a line of credit with anyone. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I have no phone number to get in touch with them please help. 

thx! 
XXXX XXXX
In XX/XX/XXXX the credit bureaus adopted a new policy : tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual. 

On XX/XX/XXXX I sent a letter to all three credit bureaus requesting that the following judgement be removed from my credit report due to the adopted new policy. 

XXXX XXXX Account # XXXX TransUnion XXXX the judgement and then added XXXX XXXX to my credit report as a collections account. According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible. 

In XX/XX/XXXX, I was denied credit and requested a free copy of my credit report from all three credit bureaus. 

In XX/XX/XXXX, I received my free TransUnion credit report. I mailed a certified letter to dispute the XXXX XXXX collections and several other accounts that are listed on my credit report. 

XX/XX/XXXX, I received the results of TransUnions investigation. TransUnion stated that XXXX XXXX was Verified as Accurate and Updated. When I received my updated FICO score in XX/XX/XXXX, I noticed a 21 point drop in my FICO score. When I inquired as to why there was a significant drop in my score, the report states Presence of serious delinquency and public record or collection. 

Prior to me disputing the accounts on my credit report. My FICO score history was as follows : XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  According to the free TransUnion report I received in XX/XX/XXXX, Portfolio Recovery was showing on my credit report as a collections account and my score at said time was XXXX. However, after I disputed the XXXX XXXX my score dropped 21 points because of the presence of serious delinquency and public record or collection account appearing on my credit report. 

This leads me to believe that when TransUnion verified and updated my credit report, they reported the debt as new, which is called re-aging. This being the reason why my FICO score dropped 21 points. 

A creditor or collection agency that deliberately changes the date of a debt for the purposes of making it show up on my credit history or appear to be within the statue of limitations is breaking the law. 


Uploaded : Letter of Dispute XX/XX/XXXX credit report XX/XX/XXXX credit report XXXX FICO score report TransUnion XXXX FICO score report
My mother XXXX in XXXX with a reverse mortgage from Wells Fargo. I was assigned a " Loan Specialist '' ( by mail ) and tried several times to speak with her, left several messages and NEVER got a called returned. I waited for 2 months. The letter they sent clearly says I have 6 months to ignore, keep or sell the house. Now that I have the house on the market I FINALLY got some XXXX on the phone and I am told that the house has been referred to foreclosure attorneys! I have sent in every paper and document they asked for before the deadline ( which I would have known about sooner if anyone had returned a phone call ) and I am told that there is no way to stop foreclosure proceedings. I was missing the listing agreement but I was not told about that until I called them to ask why I am not being notified about anything. I immediately sent it in. Since I asked for an extension I was told they will probably grant it and that will hold the foreclosure but how am I going to sell a house if potential buyers find it is " in foreclosure ''? I believe I have done everything they have asked me to do, provided every document, yet foreclosure proceedings have begun and I was told there is no way to reverse it. They have been non-communicative and I have had to drag out every bit of information and now I am incurring foreclosure fees for a house I am trying to sell. I am trying to do the right thing and sell the house so everybody gets their money, but they are making it very difficult. My " specialist '' has never heard my voice, I have to deal with the 'home preservation ' people and it is difficult enough to mourn the loss of my mother without having to fight to sell her home. I now understand why Wells Fargo sustains such horrible PR. They seem to be indicating that they would rather I just walk away from the house then try to to what is right. This is not how, as the letter states, they show they are " committed to helping you through the process and making it the best experience possible ''.
I took out two loans, one for XXXX and one for XXXX. they want me to pay back 4 times the amount for either loan. I have already paid them back double. Loan documents are attached. I believe poor people are preyed upon and these are unfair lending practices.
Unknown inquiry on my credit reports from Credit Plus XXXX/XXXX/XXXX ... I have NOT authorized verbally, physically, or electronically any application, nor requested credit, or my credit be ran, nor any account by this organization! Also, do I know who they are! I also have a identity theft report filed with my local police department.
Long story I had a loan with One Main Financial. When I got behind they offered me an adjustment of terms. The AOT that I signed had a lowered interest rate 6 % down from 33 % and a payment of {$160.00} down from around {$310.00}. What they did not do was put on the form or tell me that the length of my loan would be extended to 79 months from 60 months. After I made the initial payment and was making a XXXX payment the Rep on the phone accidentally mentioned that my loan was extended. I told them I did n't agree to that and asked them to send me something in writing saying that my loan was extended. They have refused. I explained to them that according to THEIR AOT " Except as specifically amended by this Agreement, all other terms of the original obligation will remain in effect. '' I also explained to them that I was under the impression that it was like student loan forgiveness and I would have never agreed to the months being extended that long. They have predatory lending practices. I still ( 4 months later ) have n't been able to get in writing that my loan was extended to 79 months. They tell me refer to my " original contract ''. I keep telling them that 's the problem, the original contract says 60 months. They refuse to give me any kind of documentation. Furthermore they claim they have a phone call with me agreeing to the 79 month term and they have already reviewed it. Every time I try to speak to someone who 's listened to this phone call or try to talk to someone who can discuss this with me they threaten to put this on my credit. No one wants to help me get to the bottom of this they only want me to send payments. I 've talk to nearly every supervisor or manager in the company to no avail. Not only can I not get the agreement in writing but I ca n't get any one to discuss the so called phone call that they have.
Got a collection from XXXX in the sum of {$2300.00} for a credit card issued by Household Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.
I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with XXXX and XXXX. I filed a dispute with both XXXX and XXXX to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.
At the beginning of this month, after receiving several offers from Discover Card, I went to the website and applied, using the invitation number on my correspondence. I got approved within minutes and got my card today in the mail. Everything on the paperwork that came with the card is the same as the information that was on the invitation except the APR. The invitation stated that my APR would " be 13.49 % to 16.49 % based on your creditworthiness ''. But my paperwork I got with the actual card, like I already stated everything was the same except this. Today 's APR is 19.49 %. 
I called to try to find out what happened, and I was told that since several invitations had been sent to me, that I apparently used the " wrong invitation number '' when I applied online. 
I am certain that I did not do that. I am certain that I used the paperwork that came with the invitation that had the lower interest rate. I had thrown the other away. 
And in today 's mail, along with the actual card and the paperwork that states a different APR than the invitation did, I got yet another invitation from Discover with the rate of 13.49 % to 16.49 %! 
I was told that I could re-apply, but there was no guarantee that I would be approved this time. 
That kind of seems like a bait and switch. 
I would attach the paperwork I have to prove this, but my printer wants to do a " cloud '' thing, and I do n't know how to do that. I would be willing to make copies, something I do know how to do, and send them to you. 
I have used the card to do a balance transfer as my car broke down and the interest on the card that I had to put it on, is pretty high. The new Discover card has a 0 % APR for the first 14 months. I hope doing this does n't affect my ability to take action against what they have done. 
I will await your reply. 
Sincerely, XXXX XXXX