WillisBack/dataset-financial-user-claim huggingface dataset:
Spouse and I purchased a home together in XX/XX/XXXX. We made all the payments on time. In XX/XX/XXXX he became ill. We began the modification process due to his loss of work for medical issues. XXXX   XXXX XXXX completely abused us during this process. We sent in every document they requested multiple times. When they would send stuff in the mail, I would fax it to them and over night it to them. I sent everything to them twice. They would ignore our calls, they would assign us to a loan consultant and then they would change it. They would ask for all the documents again, and again. We did this process for 19 months. For 19 months we tried to modify this loan while XXXX  XXXX XXXX was busy dual tracking us. In XX/XX/XXXX XXXX was diagnosed with XXXX  XXXX XXXX. I had to stop working to care for him. In XX/XX/XXXX XXXX XXXX  XXXX told me that they could not communicate with me because the Power of Attorney ( XXXX XXXX ) told them to foreclose on the house because we were no longer interested. XXXX  XXXX XXXX should know that a Power of Attorney can not speak for a surviving spouse. I hired XXXX XXXX XXXX XXXX  XXXX to help me ( They are terrible too ). They promised to resolve this issue for me. {$12000.00} later, they have done nothing for me. My account is now with Carrington mortgage who also continues to abuse me. I had to pay {$20000.00} our of pocket for storm damage because Carrington will not give me the insurance money for an insurance premium that I solely paid for. The issue is here that I am the original owner of this home. I have been there since XX/XX/XXXX. He served in the XXXX and got XXXX. XXXX had an insurance rider that if he died I got the house free and clear. Now XXXX says no because the account was not in good standing when he died. It was not in good standing because they will not modify the loan. They are too busy dual tracking. I had XXXX credit score now I have XXXX. I had {$80000.00} in the bank, now I have {$20000.00}. I have spent everything I have fighting for this home that is mine. These mortgage company 's have abused me when I just watched my husband die of XXXX. I am being threatened with foreclosure when I have a XXXX year old son. So I work my XXXX off everyday for social services and to raise my child and I get this abuse from these banks and this arbitration services. I feel that I am entitled to all house free and clear, especially after all this abuse. I think these companies should be required to return all the money they have stolen from me. I am really suffering and the bank has done all of this to me.
There are multiple credit inquiries that I did not approve. The only ones on here I did approve were XXXX, XXXX XXXX and XXXX XXXX XXXX.
I disputed information with the company in XX/XX/XXXX due to services rendered I did not agree to have performed. This has been in dispute for awhile and has not negatively affected my credit in a long time and I have good credit. I was attempting to clear this up on XX/XX/XXXX when a lady answered. I asked them about sttling and they said no in a very angrily voice. They asked me for my current address which I did not feel comfortable giving out. They told me very rudely, you will never be able to get a loan or fix your credit with this on there and then they hung up on me. I was going to pay regardless, but the lady would n't even give me the time to do that. I called back and spoke to someone else who was nicer and she said the same things to me about this is going to negatively affect me and ill never be able to get a loan. They also said they tried sending me letters which I never received. I had my mail forwarded to my new address and did not receive anything. They never tried calling me either and I have the same number I 've had for years. They tried telling me about Florida law and mailing medical bills to which I continued to ask if I can just pay the bill already so I did n't have to be berated anymore. I paid the bill total of XXXX. I would like to make sure I receive something in writing stating my debt has been paid in full and the dispute status has been removed. I did not give them my address at the time due to all of this and they told me they could n't email me either. After all of this I started to second guess why I paid this as i felt my credit was threatened and things would not go the way they said.
We are filing our complaint against Prestige Financial based on FDCP act section XXXX Harassment or abuseWe personally spoke with XXXX XXXX on XXXX advising XXXX of payment on account # XXXX along with advising XXXX XXXX at the time of the call we were at a doctors appointment ( physician was at bedside ) and requested to end the call. Prestige Financial then proceed to call us directly back twice more just seconds/minutes after already speaking with us. On XXXX/XXXX/2015 Prestige Financial ( XXXX XXXX called XXXX and spoke with him advising payment would be made on XXXX/XXXX/2015 my XXXX and the remaining balance would be paid once XXXX receives his VA XXXX payment on XXXX/XXXX/2015. Directly after speaking with XXXX Prestige Financial XXXX XXXX XXXX then proceeds to call XXXX regarding payment that had already be discussed with XXXX just a few minutes prior!! Prestige XXXX XXXX XXXX leaves voicemail providing detailed account information having not confirmed if the voicemail was indeed XXXX active voicemail. 

Payment was made on the account as stated my XXXX on XXXX/XXXX/2015 via XXXX XXXX XXXX XXXX. On XXXX/XXXX/2015 XXXX receives voicemail once again from Prestige Financial XXXX XXXX XXXX requesting payment on the account which had already been discussed less than 24 hours ago! This is not the 1st time such calling methods/practices has been demonstrated by Prestige Financial. 

We have asked that all future communications from Prestige Financial to us be sent via email only.
On Friday XX/XX/XXXX at XXXX XXXX, I invoiced a company who I am doing some work for, XXXX XXXX of XXXX, they paid the invoice which transferred {$250.00} into my PayPal account. I have had this account since XXXX. When the money was transferred into my account, PayPal took a {$7.00} fee. When trying to do an instant transfer of the {$240.00} to my checking account, which I have done numerous times. I received a message that the money transfer would be delayed up to 24 hours and no other explanation was given. This transfer usually takes about 3 minutes. I called PayPal customer service immediately and they told me to open a ticket with PayPal Merchant Services and they would let me know right away what was wrong. I just checked at XXXX XXXX and the money is still pending and I still have no explanation as to why my money has not transferred.
I have repeatedly disputed unauthorized hard inquiries via Equifax 's online dispute route, I have faxed them about the disputes and I have called them several times to no resolution. The reps were unfriendly and unwilling to help. I am only having an issue with Equifax, the other XXXX bureaus resolved with no conflicts.
We received solicitation from our mortgage lender Impac to contact them regarding extending our loan modification We called were sent an application and submitted all requested documents. We then received a letter stating that the Loan Modification had been approved on XXXX XXXX, 2015. We signed the letter agreeing to the terms and were told the documents would be delivered within 1-3 weeks. We called Impac and emailed several times as documents were never received. We were told that there was a back log at the servicer XXXX and to wait. We were then called and advised that XXXX was caught up and wait. Then we were told that in order to get the documents we had to apply on the XXXX web site and to submit the approval with the documents and they would push the file through based on the approval. We did as instructed with XXXX who kept asking for the same documents over and over stalling the process and submitting the file under programs we never requested. We attempted to reach Impac several times with no return calls. Impac then stated that the approval was not an approval it was a proposal even though the document does not have that listed anywhere it clearly states " Approval '' Impac is doing a bait and switch here. Also XXXX then suggested we do a short sale which we have found is a clear violation of the Home loan Bill of Rights as a short sale can not be suggested after an loan approval has been granted. To date we have no loan documents for the approval of our loan modification. The approval will be attached.
I applied for a Gap Credit card while in the store. They opened 2 credit cards in my name ( duplicate ). When I called to get the issue fixed they kept denying that I had 2 accounts open and saying that they did not make a mistake. I used my ID theft service XXXX XXXX and they where able to get them to admit that 2 accounts where opened simply because I had all the proof and paper work and my credit was pulled for 2 different applications. I ended up closing both cards but it still had a negative effect on my credit history. I would like to get those pings off my credit history since Gap was the ones that make the mistake. 

I applied for the credit card in XX/XX/2017.
I have incorrect credit balances that have been displayed incorrectly for the past 2 weeks and have n't been updated correctly. It 's showing max utilization and it is bringing my score down drastically. The balance has been brought down to about {$2400.00} on both credit cards combined and the credit limit has been increased to {$7400.00} on both credit cards combined. I need my score to improve since they will be approving me for grad plus student loans and will be checking my credit score starting XX/XX/XXXX so please update the information asap. I attached a word document and a print screen of current balances.
Recieved a phone call from XXXX XXXX who identified his self as an attorney for Michael Haynes and Associates LLC. XXXX XXXX stated that he is working with a company called XXXX XXXX XXXX to collect debt owed on a lawn mower. He advised he is in the process of filing court proceedings to repossess the mower and also to take me to court for a judgement of over XXXX. He told me I could pay him XXXX and keep the mower if I did so in 24 hours. I did my research by googling their name which says they are a law firm. However the location and phone number do not belong to their company. This business is NOT a law firm but falsely says so when you google their business. This is simply a debt collection agency that tricks people into thinking they are attorneys. I've asked them to stop calling but they refuse and keep calling from different phone numbers.
I was applying for a mortgage with Pulte Mortgage since they were building my house. We first got in contact with Pulte Mortgage on XX/XX/XXXX. They ended up giving me my loan estimate. The loan estimate that I received was ok, but as with all mortgages you usually want to get multiple estimates so you can see if your getting the best deal. So I did n't get with the other lender till XX/XX/XXXX, which I had told pulte mortgage that I would be doing that, which is why I did n't get them anymore documents or respond to any additional communications at that time because I wanted to make sure I 'm getting the best deal for my money. I had decided to go with my other lender and they had requested title. I was under the impression that Pulte had canceled my loan because the loan processor had requested it since I was n't giving them my documents. Well on XX/XX/XXXX, I get communication from my loan consultant and says please look at this deal. I do n't know why they would send me another deal, which was it better? Yes it was, but it came out of nowhere. I think it was triggered due to tile request from the lender I was wanting to use and I never had sent them my other proposal. So when I opened up the new offer, it was brought to my attention that they ended up deleting a lot of the fees that were on my proposal from the start and was n't in the lender credit area where you would see adjustments from your lender if they decided to give you additional discounts towards your deals to offset other proposals. Well I called my loan consultant and he told me that every deal is different for each potential deal. Which for lending its not supposed to be that way, where companies can just go in and switch up fees for some people and not others. I was not happy to hear about that even thought it gave me a great deal. So apparently those fees were erroneous and they were just trying to take a bad mortgage. I 'm all about equality when it comes to lending especially with me working in the financial industry and knowing you have to treat all customers with the same expectations and fees.
This complaint is regarding Global Payment Check claims I have a charged off, closed account in the amount of {$120.00} that was apparently opened XX/XX/2013. I am writing to advise you that Global Payments Check is in violation of TEXAS DEBT COLLECTION ACT, TEX.  FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which  prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching Global Payment Check on the Texas Secretary of State debt collector website I have found that Global Payment Check is not bonded in the state of Texas. I am requesting Global Payment Check immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 
The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN.  CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.
I have a Banana Republic Credit card, administered by Synchrony Bank. I 've had the card for a couple of years and maintained good standing / payments. The bank as recently informed its card holders that the APR is going up from -- and already high 23.99 % to 24.99 % for no apparent reason, effective XXXX/XXXX/15. The company simply explains this increase : " These changes are being made to align pricing across the Gap Inc. Credit Card program. '' It seems usurious for a bank to do this without any trigger. Perhaps it 's legal, but it seems unjust and plain greedy.
XXXX   XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX  Experian  XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.    XXXX   XXXX    XXXX    XXXX   XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within  four  business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15  U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under  Sections-605B  and 623 ( a ) (  6  ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX
On XX/XX/2018 we went to XXXX XXXX Dealership in XXXX XXXX, NC to buy an XXXX XXXX. I have a credit score of XXXX and was immediately approved for a loan. During that time XXXX was running ads on television for a 0.9 % financing on new vehicles. So we were prepared to finance the loan until they presented us with an interest rate of 3.9 %. On insisting why, they explained that because we got deep discounts on the vehicle, they could not give us financing at the advertised 0.9 %. 
We bought the vehicle cash cause WE NEEDED one for my parents. I'm reporting this to the CFPB so that you folks can investigate on why this is not made clear when XXXX runs advertisements on television. We bought the car for a total of {$42000.00}. 
Our plan was to payoff our current debt on another car so we could pay a lower interest rate. Now we are still making payments on the old car. COMPLETE MISLEADING ADVERTISEMENT!!!
Experian would not give me a credit report unless I signed up for their XXXX service. I offered to pay for report but did not want service
Experian is not removing a fraudulent account from my credit report. I was sent into collections by XXXX XXXX for a debt I do not owe and after it was removed once, 5 years later it is back on. Experian removed it 4 years ago, and is not removing it this time.
I have an XXXX store card and was supposed to be receiving 5 % cash back on all my purchases, I have not received any 5 % cash back promos since XX/XX/XXXX. After speaking to Synchrony I was told I do not have an XXXX XXXX, I do however have an XXXX XXXX account.
I started my mortgage modification with my previous mortgage company in XXXX XXXX ; my loan was sold and my new mortgage company took over in XXXX XXXX. I have made over XXXX phone calls since XXXX XXXX requesting a modification, numerous faxes, over XXXX documents submitted. In XXXX XXXX, I was informed that because my previous modification took place in XXXX, I would have to wait until XXXX XXXX in order to be qualified. We are approaching XXXX XXXX, and I am still waiting for my modification to be approved. This process has been frustrating ; I have been lied to on several occasions. I am disgusted. This processs has created an environment of ongoing stress and instability in my home. I need help. This is the second complaint filed with this office.
Synchrony bank made the decision to close the XXXX XXXX XXXX accounts. Obviously with the bankruptcy of XXXX XXXX XXXX, that in itself is not synchronys issue. 
However, arbitrarily closing the accounts with no recourse for consumers ( shift to another open line of credit ), the closing of the account DOES IN FACT affect the consumers debt to income ratio and ultimately credit score. For an act that had no fault of the consumer. The individual card holder now pays for it with higher interest rates, denial of credit etc.. UNACCEPTABLE
We had flood insurance placed on my property in 2013. Unfortunately this coincided with a job loss that was the main source of income, so we had to save money in order to have a new survey. That was done and submitted ... and then we needed an elevation certificate. That was done and submitted. Then we were told that we had to submit paperwork to XXXX for a XXXX. That was done. With the lowering of our income, this took some time. We were assured that the premiums would be returned in full once we had the XXXX. We never missed a payment, even though the " escrow shortage '' grew and grew, with the added monthly flood insurance premium, the shortage that was created by the initial premium, and the " cushion '' ( XXXX of the total, or there about ). Finally, all the paperwork has been submitted, we are no longer required to have flood insurance ... and we ca n't get our money refunded. The company ( according to their automated phone system and our account profile on their website ) made a " payment '' on our loan in the amount of the first year 's premium. Except not really. I was told it was n't a " payment payment ''. I was told this after 20 minutes of listening to " XXXX '' sigh and click and mutter while he tried to figure out what happened..and then was completely rude. My monthly escrow still reflects the flood insurance. My payment is still more than {$100.00} over what it should be, but that " should be corrected in XXXX ''. I understand that many other customers went through worse scenerios, even into foreclosure ... but this company is making so much money with these smaller situations : excess cushions, " shortages '' that they ca n't even explain, delays in escrow adjustments. All that money they collect just disappears. They could n't even explain their own escrow analysis. I was a loan closer in the XXXX 's, before everything went crazy, and we were required to document every penny in and out of escrow. The regulations have to be stricter now, do n't they? How can this company still be allowed to buy loans? Because I was not a willing customer Their client base is given to them, without our ability to vet them.
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Ad Astra Recovery a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
I was one of the Equifax data breech victims ( XXXX XXXX XXXX ). I would like Equifax to be held responsible if my credit or financial state is negatively affected by this case. Please place an initial 90 day fraud alert on my credit file.
New York state had one orginal file of my mom 's first husband of XXXX XXXX XXXX who is XXXX over 700 listings and retailers wrecked on his documents attached to my documents in New York state. 

Federal not interested anymore in New York state, and won't marry into New York state New York state also frauded my family 's documents of XXXX and XXXX and XXXX and frauded using XXXX frauding my birth certificate long form of Indiana State They also let family 's bother me documents as XXXX XXXX menus and products. Federal not interested. 

Washington, Maine and Massachusetts and Rhode island and Pennsylvania and new Jersey and Delaware also frauded my documents and families documents when only XXXX XXXX XXXX was from Pennsylvania state and XXXX XXXX XXXX XXXX was from Pennsylvania state. 

Others frauded using XXXX and XXXX and XXXX and XXXX and with business permits and XXXX XXXX in all of those counties Washington State and Massachusetts and Rhode island and Pennsylvania and New York state fraud my documents.. my birth certificate of XXXX XXXX Indiana XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Indiana XXXX XX/XX/1972 isn't from those state. 

Maryland also pulled frauding scams using my documents and Nebraska and Mississippi and Kentucky and Montana and Ohio and IA state really bad. 

Others frauded my documents using food products and receipts and tv shows. 

XXXX and Florida State and Nevada state pulled none stop frauding scams using my credit files as tv shows scripts and radio till you had to turn off the tv. 

Others pulled frauding scams using cops tv shows media scripts frauding my documents..