WillisBack/dataset-financial-user-claim huggingface dataset:
My mom took out a reverse mortgage with Financial Freedom. She will lose her house in court due to foreclosure. Financial Freedom gave her a {$220000.00} mortgage in XX/XX/XXXX for a house that was appraised at {$130000.00} in XX/XX/XXXX. Financial Freedom also used houses that are not comparables. They are in a more prestigious neighborhood. 
It also appears they charged her fees that are not consistent with those on your site including surveying her property which was not surveryed when she bought it 2 year earlier. It appears they also charged her fees in excess of the.XXXX % loan orginiation. 
Everything they have done is horrible. How can they possible steal money
This company continues to call my unlisted phone number. I am on the do not call list. I do not owe any debts. They have been calling repeatedly. They did something similar a few years ago with a different number when I did not owe any debts. When I called them at that time they tried to obtain my personal information like my social security number. I would not give them the information and evidentially they quit calling. They have started calling again on my new number. They are probably calling the wrong person again but I am tired of this company repeatedly calling me when I owe no debt. I have a credit rating of XXXX. When they call it is a recording and there is no one to tell to quit calling. I would like to have the harassing phone calls stopped. They need to find the correct phone numbers when they are calling for a debt
Today XX/XX/2018 I tried submitting a dispute online with XXXX. I answered all the security questions and put in the information they were asking for after all that an error message came up that I am unable to submit a dispute. I am submitting this complaint because there are a few accounts on my equifax credit report that do not have the correct balances. My XXXX XXXX  card is reporting more of a balance owed than what I actually do owe. Also my XXXX  XXXX accounts my balances have decreased by {$300.00} they are reporting with higher balances. I attempted to correct this but unable to get online to do so.
Yes I tried for months to get my card unblocked and address change. I did infact get up to the higher reps who sent me a letter to a address i dont even live at anymore. Today they did after months of trying to get my card unblocked sent the letter to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX indiana XXXX. But I feel entitled for my card to be reopen if it is closed becuse i couldnt log on online banking to pay my card and i didnt even get to use it alot. I feel owed a credit and my credit card back current and open. The last four digits of the card i been trying to get unblocked at citi bank forever is XXXX. My name is XXXX XXXX ssn XXXX XXXX XXXX DOB XX/XX/XXXX
I contacted PNC bank on XXXX/XXXX/17 around XXXX XXXX CST, in order to attempt to enroll in XXXX XXXX. I had just purchased a new phone and wanted to transfer over my banking information to my new phone which should have been an easy process. Out of all the accounts I am a cardholder of, PNC was the only one which required a phone call. It should not have been a big deal and I have no difficulty calling, however the blatant disrespect received by me due to the action of PNC was appalling.
The first person I spoke with asked for my SSN and a recent deposit into my account. Since my phone was new as I stated above, my PNC app was locked out. She advised me to call back, which I understood.
The next time I called back the woman I spoke with was extremely rude and asked me for my SSN again, and told me she would not assist me until I stepped into a branch. I asked multiple times for additional information or assistance, and she outright told me she would not help me. She told me she was going to be placing me on hold and when I asked why, she ignored me and went ahead with the hold. Five minutes later, she came back and said there was a problem with the phone. Over and over I asked where are you sending me and what is happening, but she ignored me and placed me on hold in the middle of our conversation. She also continuously referred to me as ma'am even clearly stating she thought I as a woman, which I am clearly not.
The next person I spoke with asked for my SSN, DOB, and my drivers license number before telling me to enter a branch. I continued to ask why, and was told he would not be assisting me. When I asked for information to track our conversation such as a name or ID, the Specialist refused and told me he would not speak to me further.
The " Supervisor '' I spoke with asked me roughly the same questions for the 3rd or fourth time now, and then said he did not have any other questions. He promised he would " warm transfer '' me to a Specialist. I waited on hold for 11 minutes, before the Specialist came on the line who had no idea who I was or what was happening. He did n't even tell her the issue or what was done because I still had to give my SSN and all my information again.
PNC bank has shown horrendously poor Customer service, and has discriminated against me based on my potential orientation and/or my gender. I have been a Customer for a few years now, and this is not acceptable.
PNC lied and mislead me through this whole process. I sincerely hope they take criticism and feedback seriously, because their discriminatory and judgemental procedures were extremely unfair and bias.
On XX/XX/XXXX I received a letter from Wells Fargo stating that I had a shortage of {$1600.00} in my escrow account.

This shortage caused my mortgage payment to go from {$960.00} ( which I was paying on-time since purchasing the home ) to {$1200.00}.

This is a {$240.00} difference.

When purchasing my home I made sure that I chose the loan amount based on what I was able to afford as a monthly payment. My budget was based on a payment under 1k a month. This overage is over that budgeted amount.

When I called Wells Fargo they told me that I might be able to lower this amount if I filed for Homestead Exception. Which I did on XX/XX/XXXX ). The county advised that this exception will not take place until XX/XX/XXXX.

This still leaves me with 9 months of a higher mortgage payment.

I'm wondering if this is all accurate, if this can be done without any warning or explanation other than " you now owe this amount '' by Wells Fargo.

At this time I'm not scared of losing my home, but I am having to allocate bills differently and use Credit Cards to pay for items which is causing me to be more in debt. I would prefer for this not to happen.

I'm currently just trying to find answers and hope that my mortgage payment does lessen come XX/XX/XXXXand reflect a dollar amount closer to what I had originally agreed upon.

Any help would be appreciated.
I have an account that should have been deleted from my credit report in XX/XX/XXXX. The credit reporting companies refuse to delete this info even though its past the 7 year reporting period. The account being reported is from XXXX. I have an old credit report dated XXXX from Transunion showing the estimated date of removal to be on XXXX. I have contested this each year with Transunion, XXXX and XXXX and each time the old debt is verified. They are also reporting it as being in a chapter XXXX bankruptcy. I have never filed a chapter XXXX bankruptcy. This old debt is bringing down my credit score to the point I can not qualify for a VA home loan.
I received a notice from the XXXX dated XX/XX/2017 that I had XXXX parking tickets that I was on the pre-boot list, and to contact Municipal Collections of America XXXX Inc within 21 days to dispute the validity of debt, and that I will have the option to request a hearing. I contacted Municipal Collection of America on XX/XX/2017 and was advised that I owe tickets to the original creditor XXXX and that not only do I owe the amount placed with their office, but I must pay Municipal Collection of America their collection fee in addition to the debt placed with their office. I question if it was legal for their office to add a collection fee, and the representative advised that she could not confirm if the additional fee charge by their office is legal, and that no one in their office including management could confirm if the fee their office charged to the residence of XXXX was legal. I advised the representative that I dispute the additional fees added, and one of the tickets that I was not aware of which is a red light violation. The representative advised me to send it in writing which I sent via email on XX/XX/2017. I left a message within another department of Municipal Collection of America to dispute the validity of the debt, and requested a itemize statement that included Municipal Collection of America fees so that I can confirm if this is legal with my local Attorney General XXXX office by filing a Consumer Complaint. Today XX/XX/2017 I was contacted by Municipal collection, and received a voicemail to contact XXXX regarding this matter. 

Municipal FDCPA Violation : No Foti message left when leaving a voice message on a Generic Voicemail by XXXX 

Municipal FDCPA Violation : Upon Contacting XXXX Failed to validate identity, and to disclose the Mini Miranda during 2 point of communication contacts. 

Municipal FDCPA XXXX : Adding collections fees to debt that are not legal. 

This raises question as to how many other XXXX residents that have paid collection fees to Municipal Collections of America XXXX Inc paid by residents, and non residents. Failure to comply with the FDCPA, and I am requesting an investigation of this company for Illegal Collections Practices. 

Thank you in advance, XXXX Ph # XXXX email : XXXX
I had a negative loan amortization with originally XXXX xferred to XXXX XXXX XXXX and when I was in the midst of modification when the loan transferred to SLS. 
SLS, since day one advised me that I should foreclose and thats my only option. My loan mod attempts keeps getting denied without even being reviewed. 
They keep denying me due to incomplete package, but I am calling them every day, half hour after they told me the package was complete, they would deny my package due to incompleteness. 
They changed my account manager XXXX times in 2 weeks. they never returned my numerous calls back & I was calling them everyday. I have proof in writing that my acct mgrs were changed almost every other day in the past 3 weeksI offerd them a downpayment toward modification, to get a fixed interest rate, but no luck, they are not letting me make my regular monthly payment either. 
All I want from them is a fixed interest rate, so my loan amount doesnt increase due to a negative amortization. 
Now I have a trustee sale date for XX/XX/2015 right in the middle of modification. and after scheduling the date I was denied me due to incomplete packagte again. 
I did n't even find out about the trustee sale until the county sent me a letter yesterday,. They were trying to foreclose on me without letting me know.
On XXXX/XXXX/15 we were contacted by XXXX XXXX ( XXXX ext XXXX ) who advised me that we had been approved for an FHA modification. She said we were on a 3-month trial period payment plan and that after successfully making the 3 months payments on time ( XX/XX/XXXX, XX/XX/XXXX and XXXX ), our interest would drop from 5.25 % to 4 % and our payments would become lower than the trial period payment plan payments were. She said there would be no principal reduction. I just called to find out what our new lower payment would be beginning in XX/XX/XXXX and was told that we had to continue making the higher trial period payment plan payments because the paperwork had not been finalized. I was also advised that it could take 3 or 4 months for the modification to become final and we could begin making the lower payments.
Still have n't received XXXX refunds to my debit card for {$5000.00} each back in XXXX 2015 my bank XXXX says they never received them after I contacted PayPal to get the tracking numbers and gave it to them they still could n't find them. I would like a cashiers check or official checked mailed to me to the address on file immediately or I 'm going to sue this company for XXXX in punitive damages and emotional distress!
In the middle of dispute with XXXX XXXX XXXX regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. XXXX did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust XXXX XXXX XXXX. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust XXXX would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting XXXX would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016! No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how XXXX runs their business.
Dates showing I missed payments when I was still in school. Payments should have not been due until after my semester ended.
Hello, I have been disputing the items which I would like to have removed from my Equifax credit report. I filed a complaint before and their response was that my work looked as if a credit repair company wrote the information. The information is written in black and white on my credit report. All I did was copy it and paste it on to the website. This type of shortness dismissal of hard working individuals is ludicrous and is not serving the public correctly. I did not use any form or verbiage from any agency.. This is just me. Writing and gathering information so that the credit bureaus could dismiss me and put me in a category without giving me a chance to explain myself. The CFPB is supposed to protect us, the citizens, from the credit bureaus who report inaccurate information.
Conn 's calls my phone and my wife 's phone more than 8 times every day. On many occasions, I have made verbal arrangements with them to automatically debit my checking account on the first of the month for the bill that is due, however, they start calling me on the XXXX of every month and call every single day numerous times. They also call my wife 's phone number even though she is not listed on the credit application. They call from several different telephone numbers and will discuss the debt with anyone who picks up the phone. They have talked to my wife, my step-children, my mother-in-law, and even once with a co-worker. I have repeatedly told them that such calls are considered harassment, and that they were not to call me any more, as I have already arranged payments with them. I also informed them of my work hours, which they have ignored and it had caused me problems at work.
I applied for an FHA mortgage with XXXX XXXX XXXX XXXX An Illinois Corporation and closed on XX/XX/XXXX. I was given a TILA but no Right to Cancel or Rescission Letter. I only discovered this on XX/XX/XXXX due to XXXX XXXX  XXXX, XXXX. attorney 's providing me with initial mortgage documentation. 

I am currently in litigation with XXXX XXXX  XXXX, XXXX, trustee of my loan since XX/XX/XXXX. I am in Foreclosure Court and informed the judge and opposing counsel that I never received an Right to Cancel/Rescission Letter. Attorney XXXX XXXX of XXXX XXXX, XXXX, for XXXX XXXX XXXX, XXXX. stated, " I was time barred '' and Judge XXXX dismissed my request to Amend Count VI - TILA Violation of my Second Amended Counterclaim. I never knew about a Right to Cancel or Rescind Letter until a lawyer informed me of it in XX/XX/XXXX.
TD auto reposessed my car, sold it in auction and I paid the difference. Was told that this account will now be deleted from my report due to full settlement however, TD auto reporting this account on my credit report as an active reposession account with outstanding balance and I still keep getting harassing called with attempt to collect debt from my on this paid in full and setteled account. 
TD AUTO FINANCE Account number XXXX .... 
Recent balance {$6800.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$6400.00} written off. {$6800.00} past due as of XXXX XXXX. 
In dispute cart XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms 72 Months On record until XXXX XXXX Credit limit or original amount {$27000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$500.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 

my numerous attempts to communicate with TD auto went ignored ... i recently received a letter from them stating they are not a debt collector but that I still do owe them on this account because of the purchase note i have signed ... when i questioned the funds from the auction sale of the car and what i paid to them i was told by TD auto that there was no record of payment of any kind which is why they are still collecting from me .... where did the money go and why do i have to pay twice or be harrassed to pay for the account i have previously settled ... is n't this illegal? ....
Not only have I been receiving calls from this collector using tactics such as fake businesses ( XXXX  business services ) but they've tracked me down at my place of work and called the general number to be routed to my office. I've already requested no phone contact. They've also failed to provide a Debt Validation.  Thank you
I have sent several letters to XXXX, Experian, and XXXX to clean up the inaccurate names and addresses on my credit reports more than twice and they still not have been deleted. I also requested that a two inquiries that I did not make be removed as well and they were not. I am escalating to CFPB in order to rectify the situation and have the inaccurate information from my credit reports deleted. 

Inaccurate Name ( XXXX XXXX : XXXX XXXX XXXX Inaccurate Addresses : XXXX ROCK XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Experian Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX   Inaccurate Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX SUMMIT XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Unauthorized Inquiries : XXXX Bank - XX/XX/2018 XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018
On XX/XX/XXXX I accidentally incurred an overdraft on my checking account due to an error with a XXXX transaction. I was under the assumption that not being enrolled in overdraft protection would cause the payment to fail as it would with a debit card transaction. 

on XX/XX/XXXX the transaction completed and my account was left with a balance of XXXX. 
on XX/XX/XXXX a {$35.00} overdraft fee was applied to bring the balance to XXXX. 

On XX/XX/XXXX I became aware that my account had been overdrafted. I went to the local branch and stated that i would like to cover the overdraft amount and asked if there was anyway the overdraft fee could be waived. 

I was provided a customer service number ( XXXX ). I was told to call the number and they would waive the overdraft fee. 

When you call the customer service number there is an automated menu. At no time does this menu give you an option to speak to a live person. After a week of calling this number and trying EVERY menu option I found that pressing '0 ' TWICE would transfer you to a live person. If you press '0 ' once it reverts to the main menu, if you press '0 ' twice it connects to a representative. There is NO mention of '0 ' being a menu option at all. 

on XX/XX/XXXX I was finally able to talk to a representative. He said he could waive the original overdraft fee, but i would still be responsible for the two {$30.00} fees that occured in the time period that I was trying diligently to rectify the first fee. I told him this was not acceptable and I would like to close my account. In order to close the account I would have to bring the balance to zero. 

My balance is currently XXXX due to {$60.00} in fees incurred by the original overdraft fee which was waived. 

I then went back the the local branch and was told that I would be stuck with those fees. 

I think that it is ridiculous that the customer service number 's automated menu is intentionally obfuscated to the point that it does not have a straight forward way to talk to an actual person. It took me a week to figure out to press '0 ' twice, and in that week they want to charge me an additional {$60.00}.
I have been XXXX since 2007, contacted loan servicer asking why both lenders still show on my credit. Applied for borrower defense to pay. Was told hold up on both sides XXXX schools. No help no answers interest still adding up. Paid down free back
I receive daily phone calls from this phone number : XXXX. I do not owe any debt or have any relatives that this could be related to, so I'm convinced it is a scam. They leave me voicemails daily, it is harrassment and I'd like it to stop. 


Hi this message is for *******. If this is not ****** Please call us back at XXXX. To have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX. Please refer to account reference number XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again our phone number is XXXX. Thank you.
I had someone taking money out of my acct without my knowledge, from Amazon. No one tried to help me in my account. Someone kept going in my acct & Chase bank never offered to protect my acct. Chase refunded my acct each time Amazon fraudulently took out XXXX. But I had XXXX on XXXX & I look in my acct & chase bank takes back XXXX out my acct & now I am negative ... no one at the bank offered to help me!
LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX J XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX