WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016 I called XXXX and spoke with XXXX XXXX of XXXX XXXX XXXX ; XXXXXXXXXXXX ; XXXX Direct ; XXXX Fax. He told me that his company works exclusively with the US Dept of Ed ( legitimized himself to me ) to get the word out about a not well marketed program that would lower my payment and forgive my debt entirely in 15 years of payment. I gave him my information so he could " see if my loans qualified. '' This required me to sign a document giving him permission to look at my loans which I did. He was very personable and I repeatedly told him that I was not sure if I wanted to sign up but that the program sounded great. I told him I needed to speak with my husband first before committing to signing up. He also needed my husband 's driver 's license and social security number which I did not have. He told me he definitely needed that information BEFORE he could sign me up and that even then when I did sign up I would have 3 days to cancel. He said he would need to go ahead and get my info to set up my account. He explained that there would be a few months of a lower fee of XXXX and that my new payment for my loans would be XXXX a month with debt forgiveness after so many months of payment. Again I tell him I am not sure yet what I want to do. He calls me and emails several times over the next few days to get the missing financial info. I researched his company and found that no program exists and that they are known for charging large sums of money to do a free consolidation service offered through the Dept of Ed. On the third and fourth business day after we spoke, I sent him emails with a statement saying " I am passing on your deal and I do n't want this service. '' A week later I find charges on my bank statement. I called the guy back. He tells me that it 's too late and that I signed up and he has audio recording to prove it. I told him that I was unaware that he was signing me up even though I was saying to him that I was not sure I wanted to sign up. He says that I signed a promissory note which he walked me through -- I have no recollection of this and remember that the only document I was signing was agreeing to let him see and assess my loans. Now I understand why he cryptically said " You will have three days to cancel when you decide to sign up '' He made it sound like he was giving me information not forcing me into his program. Now I am receiving emails that I have an application for consolidation of my loans with XXXX XXXX. and this company has already charged me XXXX and plans to bill me hundreds of dollars to consolidate or manage my loans ( which i do not want ). Please help me resolve this if possible. Thank you I have attached three emails showing my refusal to the program. I did send the first refusal 3 business days after I spoke with him.
We have a reverse mortgage on our home with Live Well reverse mortgage company with only my wifes name. Weve been married over 49 years. My wife past away XX/XX/XXXX. I am the non borrower spouse. I contacted the mortgage company and they sent me the needed paperwork. I immediately sent them everything by fax. They continue to tell me they didnt Receive the paperwork or only received a partial. I resent them the missing paperwork several times. I even emailed it to them and have confirmation. 
I contacted them on XX/XX/XXXX for status. 
They informed me that I missed the deadline of XX/XX/XXXX, when in fact I had sent them all the documents. 
They gave me options. 1. Sell the property. 2. Let foreclose or give them the deed. The appraised value is {$420000.00} and the balanced owed is {$60000.00}. 
Why would I let it foreclose. 
I feel that the dropped the ball and I should not be penalized. 

Ive lived at the property with my wife for over 22 years. 
They wont listen to me. I have all the paperwork they requested. I need someone to step in. 
Thank you
XX/XX/XXXX & XX/XX/XXXX. Went to XXXX for Trans Union report. Filled in form, clicked to get report and got a TransUnion page that said : ( light blue logo ) '' TransUnion '' " Welcome, XXXX XXXX '' ( my name ) ( bold black letters ) '' System Error '' ( in red ) " We are experiencing technical difficulties. '' What to do : try again later call XXXX or request by mail After several attempts, retyping my personal information each time, I got the same System Error. So I called and asked when the system would be fixed. Nobody could answer and nobody even cared about the problem, they only asked for my personal information. I got transferred to different personnel who also didn't know or care about the system error. Some offered to send a paper copy of the credit report, but I want a digital copy. Finally I was told to talk to the 'credit monitoring ' dept, who would know about the web site. They didn't and offered to send me back to the main phone number. When I asked for a supervisor, they hung up the phone. So far I've spent much of two days to get a report that should take 5 minutes.

It seems that nobody can get a credit report from TransUnion due to a System Error, and the company is not at all concerned about it. 

Every year some of these reporting agencies make it very difficult to get my free credit report. They claim that they were unsure of my identity sometimes, although they've been tracking me for many decades. Always some excuse.
XXXX from XXXX called saying I was going to be summoned on XXXX counts of fraud with check n go and has called family members who are not associated with payday loan.
Auto loan XXXX, 2012 for {$8400.00} Paid over {$11000.00}. Requested full verification and requested explained how the added interest fees or other charges due that not agree or not permitted by law. Requested & they would not respond.
XXXX XXXX XXXX XXXX - Failure to disclose my investment account ( s ) from XX/XX/XXXX '' I '' XXXX XXXX XXXX have Assets, Investments, Securities and other personal and real property and co mingled Personal Fortunes. This includes Cash, Jewelry and other Assets which are stored in XXXX XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX. XXXX Bank ( formerly XXXX XXXX Bank of XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX to XXXX Safety Deposit Boxes. The City of XXXX, various Federal and State of XXXX and XXXX. These Entities should have Vested interest when these Boxes are opened as they are included in shares of the wealth of my Personal Fortunes as described with other additional instructions and information left in the Boxes. My sister XXXX XXXX XXXX, now of XXXX, XXXX was granted access under certain Terms and Conditions and has shares of the Assets if she performs per the signed Agreement. This was Signed in XX/XX/XXXX and the Agreement authorized by all Parties. This and other Agreement meetings were held from XXXX through XXXX of XX/XX/XXXX at XXXX XXXX Bank in XXXX, XXXX. As best as described, a " Letter of Performance of all Parties '' was left with XXXX XXXX Bank XXXX XXXX, all Parties, Myself-XXXX XXXX XXXX and XXXX XXXX XXXX have to be present when " I '' XXXX XXXX XXXX or XXXX XXXX XXXX or other Parties initiate the opening of the Boxes.
On XXXX XXXX, 2016. Went on LendingTree.com website to research a possible auto loan refinance and selected option to " View my rates '' - entered information on the website, did not give my full social security or consent to have credit pulled. My information was forwarded to various third parties who pulled my credit without my consent and I now have XXXX new hard inquiries, affecting my credit scores. These unknown companies are calling me non-stop
Consumer went through XXXX from XX/XX/XXXX-XX/XX/XXXX and had a complaint in with my XXXX because XXXX was charging for procedures I never had. Received an updated bill from dentist that shows a XXXX balance before XXXX XXXX was involved. XXXX XXXX has made up a new bill that shows consumer owes {$1300.00} on credit report. Consumer has disputed this item for two years with all credit bureaus to no avail. Credit bureaus have curtailed all disputes. Consumer has contacted XXXX XXXX several times but was either placed on hold or transferred out. Consumer has attached a copy of the XXXX balance bill that was submitted to consumer by the local XXXX. XXXX XXXX will not budge even when I complained to a state agency. They did adjust the amount of the bill which is bogus.
My information, along with my wife 's, has been compromised in the Equifax hack of 2017. I have since had to spend time creating credit fraud alerts with all 3 major credit bureaus. I am also in the process of freezing my credit on all 3 major credit bureaus, some of which require me to pay for such an action.
We had an XXXX XXXX card that was paid off in XXXX or XXXX, we lost paperwork in Hurricane Harvey last year. Anyway, this is the second paid off XXXX card from 8+ years ago that has been sold to some outside collection company, without any written notice. We do not owe this and we are upset that XXXX continues to try and sell off our old paid off debt, and furthermore beyond the statute of limitations. Our credit is clean, clear and good and we are in good standing with ALL of our creditors. Please stop them. thank you.
Someone at phone number ( XXXX ) XXXX calls every day saying they are from HSBC and we owe an " umbrella line of credit '' for thousands of dollars. We have never heard of this and do not owe any money. They threatened court action, actually saying there was a judgment against us. Told me I will " regret it '' if I don't pay today. I googled the number and it's almost word for word what they're trying to scam people for.
On XX/XX/2016 we had our checking account hacked by someone named XXXX. USAA Federal Saving Bank then says it was our fault because it looks like we gave this person our token, which it takes to get into this account. 
I guess they think their tokens are beyond breaking into. We do n't know any of the XXXX people that were indicated in our checking account fraud. They have found us guilty without even letting us prove we did n't do this.
My servicer, FedLoan/PHEAA, is alleging that dozens of my Public Service Loan Forgiveness payments do not qualify toward my 120 qualifying payments. I have worked for XXXX and I have submitted forms each year according to the instructions on the form. The form clearly stated at one point that if an employee is still at her current job she should write " today 's date '' on the form. It now has a box that users can check that says " still employed. '' I filled out my forms each year according to the instructions, either putting " today 's date '' or checking the box, and now my servicer is not counting each certification as if I employed at that employer. Rather, they are using the " current '' date as my " end '' date. 

After filing annual employer certifications for five years, it is astounding to me that my servicer, FedLoan, has been miscounting my certifications all along. Nobody notified me about any of five forms I submitted. I only found all of this out when I had a separate problem with FedLoan. They are now saying that I must go back to my previous employers to have them re-certify my employment. 

After calling FedLoan, they instructed me to only submit forms when I leave employers, rather than submit forms each year. Now I do n't know which advice to follow -- to submit annual employer certifications or just wait until I think my 120 payments is up. What is the point of trying to stay current with my PSLF certifications if I am just going to have to go back and do this all over again?
There is a company that reported a recent collection on my credit file which I do not have any collections in 2014. I disputed and requested validation and nothing. Re aging an old debt I thought was against the law? Please help
I contacted lexington law in the hopes that they could assist me in credit repair. They reassured me they could and would do what they could to make things better, stating it would take up to 6 months before I saw results. However, they decided to dispute many things on my credit report without my knowledge, even going so far as to creating letters and signing my name without my permission. They did this with the XXXX XXXX XXXX where the lovely ( I use this with high sarcasm ) XXXX XXXX has been a nightmare to work with. I have contacted her twice asking the dispute be removed and she refuses to do so unless I pay her upfront. Is n't that illegal? Other collection agencies happily obliged to my request after hearing what Lexington Law had done, however, XXXX has not. Please help me.
I started to monitor my credit with Experian.com and noticed a few information that i did not recognize. I realized that there are inquiries on my credit report that i did not allow to be placed. I did not give anyone the OK to use my credit. I have listed the inquiries along with the dates of each individual inquiry.

XXXX XXXX XXXX ( XXXX XXXX,2017 ) XXXX XXXX XXXX ( XXXX XXXX,2017 ) XXXX ( XXXX XXXX,2017 ) XXXX XXXX ( XXXX XXXX,2017 ) Experian XXXX XXXX XXXX ( XXXX XXXX,2017 ) I spoke to a customer service representative from Experian and XXXX so that the inquiries can be removed. The inquiries are still reporting on my credit report. I do not know what to do, i have even spoken to a supervisor but they will not help me.
XX/XX/XXXX XXXX XXXX: Called for XXXX XXXX (?) for debt collection. Called back and told them I don't know the person.XX/XX/XXXX XXXX XXXX: Called for same person.XX/XX/XXXX XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX XXXX: I called but closed.XX/XX/XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX. Called for same person.XX/XX/XXXX XXXX XXXX: I called and again stated this was my phone. They asked if I know where XXXX was. I again stated no and don't call anymore.XX/XX/XXXX XXXX: Called for XXXX again. Call from Ext XXXXXX/XX/XXXX: XXXX I returned the call again and intitially spoke to XXXX. Asked if the were taping the conversation and they said yes and I asked if I had their permission to also tape. Told him I contacted them onXX/XX/XXXX and got hung up on twice before somebody would listen that they have the wrong number and called again onXX/XX/XXXX and said the same thing and that said they would not call anymore. Was put on hold for approx. 15 min before he came back on the line and transferred me to XXXX how looked up the extension and said it was a mistaken call.
Was offered a settlement amount of $ XXXX monthly payments. After I gave the man all the information for my bank account he then told me he could only do 12 monthly payments of {$400.00} instead of what I was originally told my payments would be.
Debt collector ( XXXX XXXX XXXX ) called and I did not verify debt or any information with them. Customer service rep stated this is your bill not mines. I have disputed a bill through them written and sent through that I had with XXXX and informed them in the letter that I would be paying XXXX directly. They have placed unauthorized charges on my credit report although the debt is owed to XXXX and NOT their agency. This has had a negative affect on my credit report and the call times have interrupted my job and time with family with the constant harassing phone calls for a debt that I do not have through their company.
In XXXX, I contacted TransUnion to tell them that a delinquent account listed on my credit report was a fraudulent one -- I did not open the account. 

It is a credit card account from XXXX XXXX XXXX. I had never heard of this bank before noticing the fraudulent account. The bank is nearly impossible to contact to speak with a human, and the account is still affecting my credit score and still shows up on my report. 

I can't emphasize enough that the account is not mine, and I have made many efforts to rectify the situation, and still feel I'm being held responsible for a delinquent account that I never opened in the first place.
We entered into a Loan modification with our Mortgage lender Select Portfolio Services On our home 2 years ago. We were told to not make a few payments before they could start the loan modification. For 2 years they denied us but then let us appeal. Every time we would appeal we would have to resend all of the paper work in again because they misplaced everything. We did this around 12 times over the coarse of 2 years. Our house has been in a constant foreclosed state. We have not made any payments because we were afraid we would loose the house. We were just notified that they denied our Loan modification because the process has taken too long, which was not our fault, but would reinstate our old loan We only had 2 weeks to agree to the new terms or we will be foreclosed upon. The new terms are ; They doubled our payments so instead of {$3000.00} a month now it 's {$6000.00}. The whole reason we did the Loan Mod was because we could n't afford the old payment. Also they want a baloon payment of {$85000.00} in one year. Is this even legal?? These terms are rediculous and we can not afford this and are going to loose our beloved home of 26 years we have raised XXXX children there. They have forced us into foreclosure and we can not get a new loan because of back payments. Please help as the deadline is today. Sincerely XXXX
We submitted a loan modification on behalf of our client on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX we received a letter from Bank United stating that they were unable to offer the borrower another modification because his loan was previously modified. Originally when the borrower first submitted his modification in XX/XX/XXXX Bank United advised the borrower that he did not make enough income and that he needed to make more so the borrower was able to get more hours at work to satisfy this request and now the bank advised that a modification is not even an option. Bank United modified his loan in XX/XX/XXXX and he was struggling to make those payments but continued to make those payments consistently until he noticed in his paperwork that he had a balloon payment due in 5 years. It is my client 's intention to save his home however, the bank is putting him in a no win situation because even though they modified his mortgage last year they gave him a short term balloon payment making it impossible for him to pay back the full amount. For this reason we are seeking assistance with a new modification that would amortize rather provide a balloon payment.
My mortgage servicer, Loancare, paid taxes from my escrow account twice, each for a different amount, in XX/XX/2016. The result was that the escrow account was overdrawn. The tax assessor 's office only has a record of Loancare making a payment once. 
Loancare is now charging me the difference in my escrow account on a monthly basis. The previous mortgage payment was {$2000.00} and the new payment is {$3400.00}. I have contacted Loancare several times regarding this and they have not yet provided a correction or explanation.
I would like to bring to your attention for follow up investigation HSBC Mortgage, Beneficial Mortgage and their affiliates : Regarding modifications they only offer the following : XXXX month trial modifications or XXXX year Trial Mod in which borrowers are reported late to the credit bureaus ' while making payments on time. In addition, any savings during the trial mod payments are added back into the mortgage the end. The negative credit reporting make it impossible to refinance leaving borrowers with the same high interest mortgage at the end of the Trial Mod payments. If you try to call HSBC or Beneficial all the most of the numbers are non -working and when you eventually get through to a live person, you are given a telephone number to call that is a non working number. This is in my opinion an on going intentional practice by HSBC and their affiliates in an attempt to continually keep borrowers from obtaining improved mortgage terms because the continued negative credit reporting lowers credit scores making it impossible to refinance to obtain a better mortgage. This has been going on for years
I received a letter from CHASE notifying me that my home equity line of credit draw period was to end. It suggesting refinancing into a new home equity account and gave a number to call. I called XXXX/XXXX/16 at XXXX and spoke to someone whose name and NMLS ID I have. I gave him some information then and in follow-up and gave him permission to look up my credit score so that we could discuss whether or not it was likely I would qualify for a refinance. I did NOT formally apply for refinancing. I did not submit an application. I did not sign anything. He refused to return my calls when I tried to follow up. Yesterday ( XXXX/XXXX/16 ) I received a letter ( unsigned ) dated XXXX/XXXX/16 from CHASE telling me my application was denied. This is close to fraudulent to turn an invited inquiry over the phone into an " application '' that is then denied.
Bank of America is again pushing their terms on me but years back I asked for proof and documentation that I am bound to Bank of America terms. Yes, this is an old issue but BOA has never provide proper and appropriate documentation. My loan originated with XXXX XXXX, then Countrywide and the question is not IF the loan could be transferred but instead simply want the legal details and documents of the transfer. BOA has sent my original loan docs probably 6 times, their terms countless times, they have said I need to contact others ... None of that is what I am looking for as again, this is not a question of 'if ' just the 'how ' which is the legal transfer of the loan, something signed or sealed by the court ... I however feel those claiming to service the loan and those benefiting from the servicing should be able to provide something as fundamental as this legal documentation, really seems like I should and could stop making my payments until BOA provides this. 

Now for the insurance issue, I do have current coverage on the home and when BOA provices that information, I will turn it over to BOA. Now that BOA can no longer pull money from my account as well as they have done so illegally in the past, I now wonder how they will deal with this?!?!? They can bill me and charge me fees, but I will re-state that my payments are only authorized to be used for principle and interest payments, if BOA terms state differently, then again, prove I am bound by those terms but also consider that the second I provide proof of my coverage, that means BOA is completely wrong with whatever actions taken and I 'm still pretty sure one day all of this will end up in court and the list of BOA illegal and/or unethical and/or inept actions have done nothing but expanded and I 'm guessing it will be interesting, and bad for BOA, when a judge sees what BOA has put me through. Of course I wish the CFPB would actually do their job but that seems like a stretch at this point. 

I will state again so there is no confusion, the payments I currently make to Bank of America are to only go to the principle and interest payments on the account, no part of the payments are to be used for fees or other charges. Further, I request all fees to be presented in writing and via USPS mail service, not digitally since BOA deploys deceptive reporting in an effort to confuse consumers ( using a general ledger format ).