WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX acting on behalf of one of my investors, Citigroup Mortgage Loan Trust, has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because XXXX XXXX XXXX moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX decided to review my case again for possible modification and requested updated documentation, which was sent on XXXX XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on XX/XX/XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took XXXX XXXX XXXX 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification in XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
XXXX XXXX XXXX has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.
To Whom It May Concern : I 'm in the process of working with a bank for a XXXX loan and have been conditionally approved. However, we are at a stopping point due to the bank not being able to provide me regulatory guidance as to why they require a mortgage statement and insurance documentation for the home my husband owns here in XXXX. I am not listed on any documentation for the home financing or insurance. I am only listed on the deed as a beneficiary should something occur. Additionally, my husband and I keep everything separate financially and do not share expenses. Also, we are not selling the home in XXXX. I am the sole applicant living in XXXX, seeking to purchase a primary residence in XXXX ( not a community property state ) since I am military and have pending orders for a report date on XXXX XXXX XXXX and close on a XXXX XXXX XXXX XXXX. 

My husband is not an applicant on the loan and I am not financially liable for our home in XXXX so I do not believe such information is required and believe potential discrimination may be occurring due to marital status as the bank has stated they require the mortgage statement and insurance documentation to determine my debt to income ratio. My credit report should have sufficed as the home loan for my husband does not reflect, and two months of bank statements reflecting my activity or lack there of pertaining to our home in XXXX My husband has not authorized me to release his personally identifiable information as he has not requested be an applicant for financing.
I currently have a credit card with XXXX XXXX XXXXt which uses XXXX XXXX as their debt collection. My minimum payment is {$40.00} and they call the very next day after the payment was missed 10 to 15 time a day. On XXXX XXXX, 2017 they called me 12 times starting at XXXX XXXX. I 'm making my payment today, and I understand I 'm the one that was late paying it, but I 'm feeling harassed by the phone calls every hour all day. In the past 6 days they have called me 46 times to collect the minimum payment. I do n't even want a phone anymore. I have addressed this issue with them over the phone before about the excessive phone calls, and they stopped. I just feel this is inappropriate to call someone that many times in 1 day. It gives me XXXX when I see my phone light up, I ca n't even have my phone on ring anymore. I have my complete call history from XX/XX/XXXX and since the due date they have called me well over 70 times.
When selling a home in 2014 I learned a judgement was obtained against me and would take the amount owed from the sale of our home. I called the law firm whom filed and found the judgement was on a student loan obtain by fraud by XXXX XXXX. I followed the direction of this law office and filing their fraud packet ( mail XX/XX/2014 ). The law office and Educap did determined it was obtained through fraud. The amount ( {$7200.00} ) was not taken from the sale of our home and I was removed from the account. The problem I have now is they never removed the judgement or provided me with the paperwork to allow me to remove this. After moving I provided this law office with my new home address and phone number. I continued to call this office for some type of letter to remove this judgement. Each time I call for some help to get this judgement remove I get excuses and promises. I am at wits end. The law office in question is : XXXX, XXXX, XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
I have a student loan that is currently with Navient, They have forced me into forebearance and told me on several occasions there was nothing that could be done to lower my payments, despite knowing other people with Navient have been able to be on income based payment plans.
I paid off my loan for XXXX XXXX XXXX XXXX on XX/XX/XXXX. I made 5 years of payments. It is XX/XX/XXXX and I still have no title. I have called XXXX XXXX XXXX   several times and they keep telling me they processed it XXXX XXXX. I have not received. They seem to be very uninterested in my plight. I need help getting the title to my car.
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX  ) on XX/XX/2017 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
Ok i was on the Income driven repayment program through Navient that i signed up for last year around mid XX/XX/XXXX. The program is suppose to cover payments for a period of 12 months and you just have to re-apply. I wa approved and required to pay {$0.00} for 12 months. I ended up having to file for bankruptcy to get a fresh start at the end of XX/XX/XXXX. I was still enrolled in the plan and was covered until XX/XX/XXXX. Navient reported me as being 90 days late which hurt my score during this process. They reported this in XX/XX/XXXX which makes no sense because it shows no negative reporting  anywhere else but that month only! They also put my loan into deferment without my consent after reporting me 90 days late. Then only about a month later they took them out of deferment ( again i had no clue all of this was occuring ) and posted i had a bill due XX/XX/XXXX for {$300.00}! I never got an email or call notifying me of  any of these changes! Luckily something told me to check and im glad i did because if i didnt they would said it was a late payment. I called to tell them that this was super unprofessional and the reason people default and tried to get back on my previous plan i was told it takes about 7-10 business days for me to receive the application in the mail ( i tried online and it tells me to call them for some weird reason ) and that when they receive it that takes about 15 business days to process it. Thats crazy because she tried to postpone my payment for only a month until i could apply for the plan which is setting me up to be late! I had to tell her that and make her extend it two months to make sure i could meet the deadline. After the call for some random reason i then received a ton of emails from them with so many different payment dates and different payments im now confused. Why does this company exist!?
I have called XXXX over and over again, I have never had an account with XXXX in my life. I will not pay for something that is not mines. So they sent it to Diversified consultants and I have disputed this with them also. Funny thing is they took it off every credit report but XXXX. Like I told them send me something with my signature on it to prove that it was me then we can go from there. Nobody has provided me with anything. the spelling on the bill is XXXX which is not my name. So if I went into an office then they would have my right name and the spelling correct.I am not paying someone else bill.
Starting in XXXX I started a program through the XXXX XXXX XXXX. After dealing with a few different problems with them & getting consumer finance involved before, the program was completed ( see attached documents ). 

Now I am receiving documents from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX stating that my account owing XXXX was not paid off. This was one of the debts that was consolidated within the XXXX XXXX XXXX XXXX. This amount due was paid in full in XXXX. Documents attached prove this to be so. 

I have reached out to both companies. XXXX XXXX XXXX says that they can not help me due to the completion of the program, and MCM says that they received my proof of payment but their records are correct and show that I still owe this amount. 

Please review attached Documents.
I made a payment towards my Peoples United Bank Card Services credit card balance a few days before due date on XXXX XXXX, 2015 at the local Peoples Bank office here in XXXX, CT. But when I checked my credit card balance a week ago, that payment had not been applied and my balance was now approaching my limit without said payment. 
I have been in regular touch with Peoples United Card Services for the past week. I have talked to multiple people, managers, over managers and nothing has been resolved to date. They have ALL the info they need i.e. faxed form from Peoples Branch in XXXX, CT showing that I made the payment, email from me showing the check I wrote and the money having left my checking account. They acknowlege that the payment was made but they have STILL NOT applied it to my credit card. They have charged me a late fee, they are charging me interest every day AND this is affecting my credit rating which was excellent. I need IMMEDIATE help with this. Peoples United Bank Card Services has demonstrated abysmal customer service to someone who has been a customer for almost 25 years. I have paid my bills on time and for many years in full and this is the way they treat their customers. I need your help to urgently resolve this matter. I will be taking my business elsewhere after this and will never use Peoples Bank, Peoples United Card Services again.
Discover Credit Card Servicing has prevented me from accessing my account information online and everywhere else. I submitted a fraud claim after my card was compromised while I was hospitalized for a chronic illness and they have taken no action towards providing a proper resolution and crediting my account. I have reached out to the Executive office and continue contact with Discover agents who said that an investigation was being conducted. I received a letter in the mail stating that the investigation was concluded and that I was not liable for the fraudulent transactions, but to this date I have no access to my account information nor has my account being credited for the unauthorized charges. XXXX and XXXX from supervision has done a very poor job to follow up and address my concerns. XXXX continue to ask in my call how she can help me, after I explain the situation several times, but provided no response when I stated that I receive a letter stating that I was not liable for the transactions, she instead kept saying that she would note in my account the information I provided. The issues have been extended for almost three months. The balance in my account should be {$XXXX} if the investigation is conducted with propriety as I have not been in possession of my card. Discover has not sent a replacement card.
Tcf bank,,, i had XXXX in my checking account i purchased a item for XXXX i was debit XXXX the bank charged me 6 overdraft fees at XXXX each for a total of XXXX because previous charges started posting to my account from merchants but the money was allready deducted from my checking account from the the bank itself, why am i being charged fees for items that are posting but allreay being withheld from me this is a serious act of fraud by the bank and needs to be addressed immediatly.
Equifax continues to send me a letters stating the identification information I provided does not match their records. I sent a clear copy of my Driver 's License and Social Security Card. Equifax 's latest letter was dated XXXX XXXX, 2015 asking for this same information that was sent with a previous dispute letter. Please assist me in having Equifax delete or verify unauthorized Inquiries and disputes within the 30 day time frame. 

Thank You,
In XX/XX/2018 I received a letter that Weltman Weinberg & Reis had a Discover card debt and said notify them with in 30 days which I did. I went online and filled on the inquiry form and payment plan form. I never heard anything back. Then around XX/XX/XXXX th I get a summons from court. However all that was sent was a statement from discover card. There wasnt any questions or anything. I still filed a response and showed where I was trying to set a payment plan up of XXXX every month. I also sent a letter and this copy to both Discover card ( Adress listed on summons ) as well as XXXX city for weltman. I still have not heard anything back to try to come to an agreement outside of court. Also when I try to log in on their website now they have me Blocked. I have already told them I need to have communication in writing and not verbal because I want it documented. I am trying to work with this company however they will not respond. I do not want to go to court I would like to work this out.
They hacked my account and I stole more than {$10000.00} from my Wells Fargo account. 
XXXX. I close my account. Also other companies transfered me to debt collecters. XXXX and XXXX.
On-Site.com denied me from renting an apartment with XXXX . After reviewing their report the account for XXXX is inaccurate and I 've disputed this account with them to no avail. The account is n't showing on my credit report only my rental report. This is a fradulent account and needs to be removed. I request full validation of this alleged debt, as allowed by the Fair Debt Collection Practices Act. This company denied my request.
The loan was transferred back to Bank of America ( BOA ), after several years with XXXX XXXX and then XXXX XXXX. This transfer occurred in late XX/XX/XXXX. The loan was established by the Bankruptcy Court ( in XX/XX/XXXX ) as a fixed rate, interest only loan. However, Bank of America claimed that the mortgage was a variable rate mortgage and increased the loan from {$1200.00} per month to {$2100.00} per month, beginning in XX/XX/XXXX. I contacted Bank of America and sent them documentation showing the correct information, including the amended plan of reorganization approved by the Bankruptcy Court.  BOA claimed they had no records from when they had the loan previously. I got letters each month, stating they were " working on it '' but nothing was ever resolved. I paid off the loan in XX/XX/XXXX.  BOA never resolved the mistake and never issued a refund. I contacted the fraud section of BOA many months after the loan was paid off and was assured someone would contact me. I never got a returned phone call or a letter.
VIOLATION OF THE FINANCIAL PRIVACY ACT : On XX/XX/XXXX18 at approx. XXXX XXXX  CST XXXX XXXX inquired with US BANK about her student account not having any money within it. They removed the funds without her knowledge to pay my loan. The girl who took the call was named, XXXX. She kept telling XXXX ( my daughter who IS NOT ON MY BUSINESS ACCOUNT ) that " your mom ( XXXX XXXX ) is behind on her payments '' telling my personal business to my daughter. 

XXXX VIOLATED the FINANCIAL PRIVACY ACT divulging to XXXX her mom 's PERSONAL BANKING INFORMATION. 

She told my daughter that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. 

XXXX knew that I was in a Debt Settlement program, but I wanted to KEEP IT CONFIDENTIAL the amount that I owed. 

XXXX VIOLATED MY PRIVACY RIGHTS by letting my daughter know that I am behind over {$21000.00}. 

This has put a great deal of XXXX on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted XXXX. 

I spoke to XXXX, the supervisor at US BANK, letting him know that I wanted to speak with their legal department about this breach of information. He told me that " XXXX '' was XXXXXXXX XXXX Supervisor. They let me know that the conversation was recorded and action would be taken to review the tape and discipline XXXX. I asked to have the legal department get in touch with me, to settle this matter. 

I am going to consult with my attorney about the breach of my rights and confidentiality. 

Please help me in filing a formal complaint in this matter.
The credit card is with Capital One and I filed a complaint against them last month for charging me interest when I pay all last statement balances to avoid the interest charge. It turns out they do not have automatic settings in place to move cutoff dates to next business day when the cutoff falls on a weekend or holiday as stated in the Credit Card Act of XXXX. I made a payment on XX/XX/XXXX before end of day when my cutoff was on the XXXX of XXXX, XX/XX/XXXXand started this whole mess. 

I explained this whole situation to XXXX XXXX and he did refund all 3 interest charges that were applied. He sent the attached letter dated XX/XX/XXXX to me which you also have on file. 
He did not do me a courtesy but corrected an error which should be corrected by Capital One nation wide. My billing cycle ends on the XXXX but I selected the XXXX as my payment date to assure my payments are on time. 

So today, XX/XX/XXXX, I tried to reach out to him by asking to be transferred to him so I could explain that I was charged interest again {$23.00} even after paying the full amount of the last statement balance {$1100.00} and on time on XXXX at XXXX. Which seems to point to the fact that they have not turned off the automatic interest charges as I was inform they would to avoid being automatically charged interest fees every month. 

I gave XXXX 's extension number he provided in the letter, but I got the run around from the customer service representative who informed me she was unable to transfer my call, I could not get a call back from XXXX XXXX, and agents were not available?
HSBC and another party involved has called me, threatening to sue me, seize my property, contact my employer, garnish my wages, and put me in jail for a credit card that I had supposedly opened in XX/XX/XXXX and made a last payment inXX/XX/XXXX. I do not recall ever having this credit card, nor did I have any unpaid credit when my credit reports were ran when I recently bought a house. They said that in XX/XX/XXXX my balance was a little over {$700.00}. But now with interest my balance is now well over {$1000.00}. But if I pay them {$800.00} now, like right now, they will not proceed with legal action. They can not give me any or much information, and just kept asking me weird personal questions about my family.
Like many others, we have been facing difficult financial times for the last few years. Late in 2013 we took a XXXX mortgage on our home to catch up on our bills and to help launch a business that would get us back to work. The lender ( Sterling Homes ) took a second position on our home. By the time they had the money for us we were desperate, and they smoothed through the XXXX pages of documents so quickly that we signed without really understanding what the paperwork said. Turns out the loan was to be paid back with interest only payments of $ XXXX monthly due to a 16.26 % annual interest rate and {$9000.00} in fees ( over 10 % of the loan amount ). Worse, they slid a clause in their fine print that says they can foreclose even if the first is brought current. These guys presented themselves as banker type lenders, but they were loan sharks. The terms of the loan are usery and they should never been able to charge such exorbitant rates and fees especially when the loan was secured by an owner occupied home. They said they were lending my business money, but they showed little or no interest in it at all. The business still has n't launched and money is still tight so we are almost 7 months behind now on both the XXXX and XXXX. The XXXX is with XXXX and they have agreed to a loan mod beginning XXXX XXXX that will substantially reduce my payment, get me current and waive all their late fees. The problem is that the second lender has a XXXX XXXX foreclosure date and will not grant any kind of modification, nor even let us catch up. They are requiring us to pay off their loan in full before XXXX XXXX or forfeit the home where we have been raising our boys for XXXX and XXXX years. They want to steal our equity even though we have owned the home for over 19 years, borrowed money from them only 3 years ago, and only owe about {$6000.00}. Please help us force them to modify their loan to allow us to keep our home. They have already made over {$30000.00} in straight profit for lending us $ XXXX and we still owe them the entire $ XXXX! They took advantage of our desperation and now they are trying to take our home even though the first lender is working with us. We need your help!