WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern ; I write to you to explain a situation that I find myself in. 
Back in XX/XX/XXXX I was about to refinance my home loan. I bought my in XX/XX/XXXX, and not knowing what was going on they gave me a 1st, and 2nd mortgage, I payed my bills on time as I am supposed to, but since XX/XX/XXXX my second mortgage has been resold 3 times. Back In XX/XX/XXXX as I was getting ready to refinance my I was diagnosed with XXXX. And was out of work from XX/XX/XXXX to XX/XX/XXXX. I used up all of my savings to keep paying my bills, but I got behind from XX/XX/XXXX till XX/XX/XXXX as of now. I talked Ocwen about a refiner but they only offered me a modification loan. now I have payed my loan down to only XXXX and Ocwen sent me a modification statement where I was going to have to repay XXXX and have a ballon payment at the end of the loan of XXXX I told them that was insane I would basically be starting over on a loan that I have been paying on for 11 years. They told me I had to pay {$630.00} dollars by XX/XX/XXXX so I did that and I never heard back from them till I called them in XXXX XXXX, they agreed that no one had gotten back with to find out where I was with my loan. 
Then at XX/XX/XXXX I get a letter from XXXX that they have sold my 2nd mortgage to another company, that loan was down to XXXX dollars, now this new company is telling me that I have to pay XXXX dollars now for this new loan. It 's like every time I pay the finance charges on this 2nd mortgage it gets sold and I have to start over again with a new company. At this rate I would never pay this loan off, it just seems so unfair and no one else will refinance because I 'm behind, and Ocwen is telling me that they will not except any monthly payments until I pay the full XXXX to get the loan caught up. I do n't know what to do????? Where to turn, I feel like I 'm trapped in these loans with no hope of ever paying them off. Is there any help for me other than just walking away from these loans. I want to keep my house I have put a new roof on the house and in the process of replacing the old windows with new vinyl windows. And a lot of work on the out side that was covered up with putty and thick paint to hide all of the trouble spots when I bought this house and 11 years later they showing up big time. Any advice? What is my next move. My address is XXXX XXXX XXXX in XXXX , South Carolina . XXXX, my phone # is XXXX, and my email is XXXXXXXXXXXX please give some advice. Also I have been back to work since XX/XX/XXXX.
The company XXXX ( XXXX XXXX XXXX )  contacted me repeatedly and my parents repeatedly in a 2 day time period starting on XX/XX/XXXX. The first person to contact me was XXXX XXXX XXXX XXXX XXXX. He left multiple messages on my phone and my parents phone. He claimed he was trying to collect a debt from Citibank from the year XX/XX/XXXX. He said that the last activity on the debt was XX/XX/XXXX and that because the bank put the debt on hold due to the government bailout and now he was coming back to collect the debt. I asked him if he could do that and he said yes and if I didnt pay he was going to report it to all three credit bureaus. I told him I filed chapter XXXX bankruptcy and he said that didnt matter and he was going to do whatever was necessary to collect the debt including garnishing my wages. He said since I have repaired my credit now that when he did report it to all three agencies it would ruin it again. I asked to speak with his supervisor and thats when he let me speak with XXXX XXXX. XXXX XXXX said the same things including ruining my credit, garnishing my wages, said he was happy to call my parents to see if they could pay the debt for me. He said a debt is a debt and they can come and collect at anytime until I die.
I contacted Chase Bank by phone on Friday XX/XX/2016 after noticing some discrepancies with my banking history online as well as through the mobile app. After spending over 30 minutes on the phone they advised me that they have an ongoing investigation due to account balances for consumers not posting accurately. XXXX " A Supervisor '' suggested that I go into my XXXX in XXXX to discuss it further since they were not able to figure out what was happening. She also stated that once the investigation was done my account would automatically reflect my true balance but I would not be informed of resolution and that I would have to just watch my account. That same day I went into my branch bank and spoke with the Branch Manager, XXXX XXXX for well over an hour. She had a Senior Account Specialist on the phone and he was unable to figure it out either so I was advised they were going to start research on my account and I would hear back within XXXX business hours. I have still not heard back. Yesterday, XX/XX/2016 my account showed that I had a balance of {$340.00}. I assumed this was my balance after their " research ''. I of course made some purchases thinking that my account was resolved and had a positive balance. Today, I received notification that my account is now overdrawn again {$190.00} in checking and {$4.00} in Savings. I was hit with XXXX {$34.00} fees in checking and another {$34.00} fee in savings. At this point I am considering closing my account as I can not keep track of what they are doing. Nothing makes sense and I can not get any answers from my banking institution. This has caused a great deal of emotional and financial distress. I advised them on my phone call on XX/XX/2016 that if this was not resolved I would be filing a complaint with the CFPB as well as the Attorney General. Had I not been watching my account closely there would be several fees and charges I would have never known about. The Branch Manager also made that statement when I met with her on XX/XX/2016 inside the Branch location. She reversed some fees on that day due to their errors however this continues to be an issue. 
My branch location is at : XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX Branch Manager : XXXX XXXX
I ran my credit report XXXX 2017 as I am attempting to purchase a home ... I saw XXXX XXXX XXXX on my credit report. I contacted XXXX XXXX, I attempted to have it removed, they claimed that it was valid so I contacted the collections agency, I advised the agency that I needed it removed and cleared from my report, they promised it would be removed once I paid so I paid it but it still remains on my report, the balance is now XXXX but XXXX XXXX still shows under the collection tab with a XXXX balance. I need this removed from my report.
I am XXXX of the many that Navient has pushed toward forebarance for the last few years. They locked me out of my online account and have sent me XXXX different emails within the last couple of weeks with XXXX different payment amounts for my next payment due on XX/XX/2017. On XX/XX/2017 the email said my new payment would be {$130.00}. On XX/XX/2017 the email gave a payment amount of {$140.00}, then on XX/XX/2017 the payment amount is {$220.00}. So I do not know what is happening with these people.
XXXX at Midland Credit Management , Inc. has called repeatedly to my workplace and is being rude to my fellow employees. He may cost me my job by telling the person who answers the phone who he is and who he is with. I 've had two fellow employees send me messages that " XXXX with the Debt Collector called again and was rude to me. '' Would you please call him back and pay your debt. <P/>He is harassing me and continues to call after I have notified them in writing to no longer contact me.
I have a mortgage with Wells Fargo Home Mortgage ( WFHM ) and I suspect a fraudulent attempt by WFHM to  place forced insurance on my property. Here is the timeline of events : XX/XX/2018 : WFHM advises they need to see proof of my condominium flood insurance policy. ( Letter # 1 ) XX/XX/2018 : WFHM advises they plan to purchase insurance unless proof of flood insurance is received. ( Letter # 2 ) XX/XX/2018 : I upload the requested certificate of insurance to their website, XXXX. 
XX/XX/2018 : WFHM sends a " Second and Final Notice '' ( Letter # 3 ) XX/XX/2018 : I speak with XXXX XXXX at WFHM. I also fax a copy of my condo association 's flood insurance certificate of insurance. Mr. XXXX assures me that he received the faxed documents and will update WFHM 's system. 
Around the same time, I receive a letter dated XX/XX/2018 ( Letter # 4 ) that advises that the temporary flood coverage WFHM had placed had been cancelled and that I was not charged. 
XX/XX/2018 : WFHM sends Letter # 5 advising they need to see proof of current flood insurance, yet again. 
XX/XX/2018 : I fax the documents again. I speak to no less than 4 representatives at WFHM, one who hung up on me. I was assured that I would receive a confirmation letter that WFHM had received the proof of flood insurance coverage and that no forced insurance will be placed. 
XX/XX/2018 : WFHM sends Letter # 6 which advises that " We've paid the premium for new insurance policy '' and that " we didn't anticipate paying for a new insurance policy. This could cause a shortage in [ my ] escrow account. '' The letter goes on to advise that I should contact the other carrier to cancel the insurance policy and obtain a refund. ( I can not unilaterally cancel my master condo flood insurance. ) XX/XX/2018 : I speak with yet another WFHM representative who advises that the letter was an incorrect letter and that no forced insurance was placed on my account. I request written confirmation. My matter had been escalated to the " executive office '' resolution team.

I do not care whether this is just merely incompetence or an attempt by WFHM to earn fraudulent fees and premiums. This is nothing short of harassment.
On XXXX i noticed that there was a transaction that i did not recognize on my credit card account for XXXX. I called American Express Bluebird to report the transaction. At the time i was advised that they would not be able to start an investigation until the transaction posted to the account. I had been monitoring the account and on XXXX/XXXX/2015 i notice that the funds were charged and so I called American Express. Up until that point they were not able to supply me with information as to were this transaction took place. To date they have refused to supply me with this information. On XXXX/XXXX/2015 in our conversation they advised that in order for them to initiate a fraud case i needed to fill out a declaration of fraud. In the email it advises me that it may take up to 45 days to investigate. I was going to fill this document out and email it back the following day since I was at work at the time. On XXXX/XXXX/2015 I received an email stating : " Recently you inquired about your charge ( s ) from your American Express Prepaid Card in the total amount of {$530.00}. Based upon our investigation we have determined that no error occurred and that transaction in question was authorized '' sequentially I received another email on the same day minutes apart stating : '' During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : Section XXXX Due to the violation, your Account has been closed. '' when called to inquire I was told that no information was able to be provided since the account was closed. I inquired as to what factors and evidence did they use to determine that the transaction was not fraud I was told that i needed to call the police and they will provide that information to them -, I called as a last resort to this complaint and spoke to XXXX rep XXXX to get what was the main office address for American Express and was advised that he was not able to provide me that information, however he did advise that the XXXX for an investigation was that they needed the XXXX returned to be able to initiate the fraud investigation. when Questions as to why if I had not yet replied I receive the above mentioned email he was unable to respond. I then asked what bank was the credit card company affiliated with he was unable to provided me with that number. I called again and all of the mention information including the fact that they could not open a fraud case unless the XXXX was received was confirmed by XXXX rep XXXX. I then tried my luck with a supervisor and was told that they would only disclose information to a police officer.
The insurance company was slow at paying car off after it was totaled i payed what they did not which was a XXXX dollars And they are reporting i was late on payments and i deffinetly was never late they since have given me another loan
OneMain said they would turn my account over to an attorney and threatening to sue me. This is my second complaint on this company. XXXX for calling me at work and getting me in trouble and now threatening to sue me.
XXXX XXXX & XXXX XXXX I have attempted to dispute public information being reported inaccurate on my credit file. I have disputed this information as not mine and someone with similar name filed bankruptcy. I have asked for physical proof that this public record being reported in mine. Since public record information is reported from a 3rd party source. Credit agency will not send me physical proof and keeps telling me that information is being furnished from the bankruptcy court. Bankruptcy courts do not furnish information to credit reporting agency. I received a letter stating to refer to the personal credit report you received for name, address, and phone number ( if available ) but nothing is available. I have yet received physical proof that the public information being reported is mine.
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. Improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. In addition, XXXX XXXX XXXX had previously deleted the derogatory mark from my credit report however they illegally proceeded to reinsert the false information on my credit report.
on XX/XX/2018 i sent a letter to XXXX  XXXX requesting them to verify my signature on the item that they say i owe $ XXXX haven't heard anything regarding this item that is damaging my credit report.
In early XXXX, I ran into some financial trouble because my PNC bank account did not update on mobile banking over XXXX XXXX. This overdrew my account on the following Tuesday and because I was out of town and not working at the time, I had to wait 2 weeks for a paycheck to bring my account back to balance. I accrued over a XXXX dollars in overdraft and NSF fees and have records to prove this. I called PNC multiple times and asked of anything could be done to stop this with zero help. I was transferred to a supervisor department after the 1st employees claimed they could not reverse any of the fees as the system would not let them. The phone rang once and I got an automated message that said no one was available and the call automatically ended. Never called back. Accepting that they would not budge to work with me or help me at all, I paid the fees and brought my account back to positive and moved on. 

Fast forward to today. The company I work for has decided to switch to biweekly pay instead of weekly. These past 2 weeks on one weeks pay have been awful and stressful. However, we managed to make it to Thursday XX/XX/19 without overdrawing. My account was negative XXXX dollars on Thursday XX/XX/19. When I woke up on Friday XX/XX/19 my account was negative XXXX because of a few small transactions that went through and XXXX dollars in overdraft fees 3 XXXX  dollar charges each. So, my paycheck finally hit the account for XXXX dollars on Friday XX/XX/19. Then at XXXX on Saturday XX/XX/19 I was charged 3 more XXXX dollar overdraft fees after my paycheck had already hit the account. Because my paycheck has gone through I did not expect this. I have so many bills coming out this week from having to wait 2 weeks to get paid, that I can not afford XXXX dollars in overdraft fees. This is my whole grocery budget for the next 2 weeks until I get paid again and I literally have no food in my apartment. I called again today XX/XX/19 asking for assistance in this especially because my paycheck had hit and there is no reason for the fees to be met with no help again and told I should use tips to avoid overdrafting. Enough is enough of this. Ive paid so much in overdraft fees that I can't afford to live. All I want was the 3 most recent overdraft fees refunded to me so I can afford groceries so I don't starve without over drafting again and having the same thing happen while I wait another 2 weeks to get paid. I have exhausted all options to avoid this. I have overdraft protection on my account. I have alerts sent to me when my account drops below XXXX dollars. The way PNC does their business makes it impossible to avoid this because it happens over night while you are sleeping and then to offer no solution to a good, 6 year customer is frustrating and disheartening.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX that they  confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I had a credit card with Walmart and was unable to pay it due to lack of work. Was going to try and work something out but they quickly sent it to debt collectors. Took me to court without me even knowing about it. From there they somehow got a lien put in my name or a judgement that is keeping me from getting any type of loan and has destroyed my credit.
There is a XXXX here of $ XXXX.I called XXXX XXXX They said it was sent to the wrong address My Insurance will pay the entire bill. I have no idea how it was sent to the wrong address.This was for a mammogram I had last year, I have never had to pay for one
Listed below under XXXX, highlighted there is XXXX account that has been removed- but that is that is still being reported incorrectly as of XXXX XXXX 2016 by Transunion . 
I have disputed this and they have yet to resolve.
My BOA accounts were not accessible online or through the app starting last night. I was able to speak to someone this morning and was informed my checking account was going to be closed. She would not disclose a reason why and just cited a robotic script regarding BOA 's contractual rights to terminate any account. 

This is completely preposterous. I am a platinum honors client and just deposited a check recently in the amount of XXXX to reach platinum honors tier. I saw that a hold was placed on the check until the XXXX. I never had any issues with my banking relationship with BOA since account opening.
I called into the PNC call center about a 2 overdraft fees. I was sent to the escalation department. The case worker there was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded regardless of who I spoke to ''. I was told that if I had a problem with that I could send a letter to corporate. Today, X/XX/17 I called the corporate line I found online. A male consultant then told me that if I wanted to go ahead and use my card, I could opt into overdraft protection ( which would just charge me more in over draft fees. ) I have been treated aggressively and the customer service reps refused me the opportunity of speaking to a supervisor. I feel the refund was due because of a bank error. I had an overnight direct deposit come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account. I am not asking for ALL 6 of the overdrafts ( at {$36.00} each for a total of {$210.00} ) they have charged me this month. Just the 2 that went through last night.
How to start. There seems to be A problem.it believe it begins with my car being broken into abd my wallet was stolen. Had all my credit cards.and drivers license and social security. They used up all my credit. 
Bring recently released from being XXXX and trying to help my family. I see my credit gone to XXXX and do n't know how to repair. Or report it. Need some help ASAP to prevent this identity theft and fraud
I applied for a XXXX XXXX via XXXX XXXX over one month ago. I have called spoke with XXXX XXXX, she would not tell me what the extra {$300.00} fee was, then I went to the store on Saturday because I wanted to know what the charges were for and the customer service told me they could not help me that I needed to call XXXX, so its like a XXXX nobody would help me ( I knew of my balance because when you call the XXXX number above, they tell you the balance up front, but after that nothing ). so weeks went by and I never got my credit card, never received a statement. Yet sometime in the near future I have a bill that is due, so after continuing to call they admitted they sent my card to the wrong address ( weird because they delivered the bed to my house )! finally today I was able to make sure they fixed my address but NOT I HAVE TO WAIT 7 TO 14 DAYS FOR A STATEMENT!!! My credit will be affected because I have no idea what is due nor when it is due. I still don't ' know what the additional charges are, literally the bed I bought was only {$990.00} but I owe apparently {$1300.00}. I did order a table and headboards, but the back order was so bad, they I finally got annoyed and cancelled those two items. I only have 30 days to return stuff or you get charged allot for restock fees, so I feel like NOW I AM TOO LATE TO RETURN THE BED AND NEVER HAD A CHANCE TO REVIEW WHAT THE CHARGES ARE ON MY CREIDT CARD!!! 1 1/2 months later I still have no idea what is going on with my account or why they charged me extra. Its unfair and I want this resolved