WillisBack/dataset-financial-user-claim huggingface dataset:
I experienced a hardship which caused me to fall behind on my payments. My lender Shellpoint has ignored my plea for help and have not reached out to see if there is anything I can do to avoid foreclosure and get back on track with my payments.
I have never been provided with any forms or packets in respect to applying for assistance. I have always been the one to reach out and am being told there is nothing they can do for me. I have never been appointed a point of contact, I have pretty much just been ignored since I fell behind. Had I not reached out to Shellpoint myself, who knows if they would have ever called me. I had heard stories of other lenders who try and help the borrower but not in my case. I strongly feel my rights are being violated and that unless I take legal action there is nothing else I can do about it.
I booked hotel XXXX in XXXX Nevada online using XXXX agent on XXXX XXXX, 2016 for the traveling date of XXXX XXXX, 2016 to XXXX XXXX, 2016. The cost of the booking of {$250.00} was charged to my Citibank creditcard ( Citicard ). The booking condition allowed for free of charge cancelation if cancelled at least seven days before the arrival. 

On XXXX XXXX, 2016, nine days before the travelling date, I attempted to cancel the booking but I was not able to cancel due to XXXX agent had gone out of business. So I called Citicard customer service right away for help to cancel the booking. The online chat representative suggested that I had to cancel myself by calling to the hotel to cancel the booking. However, I was unable to cancel since the booking was done through a third party and not directly with the XXXX XXXX. 

On the same day of XXXX XXXX, 2016, I sent an email to the billing dispute unit to update the status and stated that I was unable to cancel the booking. It now looked like I had no other option than to complete the travel to XXXX and stay at the XXXX XXXX as originally planned back in XXXX. 

On the morning of XXXX XXXX, 2016, my husband called XXXX XXXX directly to ask for the status of the booking. However, the XXXX XXXX representative XXXX stated that the booking had been cancelled the same day by the third party. He also gave the cancellation number as XXXX. 

On the same day of XXXX XXXX, 2016, I also sent email to the billing dispute unit and gave the the cancelling ID number with the update. I made serveral phone calls to the billing dispute units, but there is only one phone call return and stated that all documents received since XXXX. 

On XXXX XXXX, 2016 I received letter from the Citi credit card stated that if I would like to continue the dispute, a form I need to sign and return to the billing dispute unit. The amount was reversed due to the condition. I therefore send emails and fax all documents to the billing dispute unit again at Citicard for help on XXXX XXXX, 2016. 

On XXXX XXXX, I received letter stating that they are unable to help and refused to help to resolve the issue dated XXXX XXXX, 2016, stating that the reason that Citicard can not help because the merchant was willing to provide service. This is of course not the case, since the merchant themselves cancelled my hotel reservation. I was not able to cancel, and was preparing to make the originally planned trip to XXXX Nevada. 

XXXX XXXX, 2016 I called and talked to manager, name XXXX of the billing dispute unit to ask for help, she will get back to me the result in about week. Then on XXXX XXXX, 2016, I called billing dispute unit to ask about the status and talked to the manager of the dispute unit center, XXXX, his ID number XXXX. He was very rude and aggressively told me that " I do not want to hear anything because all documents are here, and I am unable to help. and if you want to get help this issue. I need to go to the court. " I hope you can assist me in resolving this billing dispute with Citicard and have my credit card charge of {$250.00} reimbursed. 
Thank You for your help
This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE
Midland FundOriginal balance [? ] $ XXXXCurrent balance [? ] $ XXXXDate assigned [? ] XX/XX/2011Original lender [? ] XXXX Bank Nevada XXXX XXXXAccount number [? ] XXXXAccount holder [? ] Co-makerAccount descriptions [? ] Placed for collectionhas been putting this account on my credit report for over the past 10 years now i would disputer it and two years later if would be back on my report.
I am submitting this complaint because the credit bureau, Experian, is reporting a debt for XXXX XXXX  inaccurately. It was included in Chapter XXXX bankruptcy. I contacted Experian years ago about this and it was removed. The creditors received notification from the bankruptcy court that my Chapter XXXX debts were discharged. Unfortunately, since my bankruptcy was discharged over 10 years ago, I no longer have all of the records to locate the date of when Experian was contacted and when the debt reappeared on my credit report. I only realized recently when I pulled my annual credit report. Along with this complaint I am uploading a screenshot of the XXXX XXXX debt which was included and discharged in my bankruptcy. On that screenshot you will also be able to verify the bankruptcy case number and the date that document was filed to the courts. I am also uploading a copy of my chapter XXXX discharge.
I previously had an account with JP Morgan Chase. I held the account for 4-5 years. The account was set up in XXXX, Michigan at a time when I was residing there temporarily. 
A few months ago, I had approximately {$6000.00} in the account. I received a transfer of {$50000.00} from a friend of mine regarding some business we were conducting. Suddenly I was unable to access my account online or on the telephone. Eventually, after numerous telephone calls, I was told my account was being closed and I would be mailed a cheque for the funds. I waited patiently and no cheque arrived. I then called again after a few weeks and after numerous phone calls found myself speaking with the Executive Office. They again promised to post the cheque. It never arrived. I called again and after being thrown around again I was told the {$50000.00} had been sent back to the originating account and the {$6000.00} was being retained for administration fees. I have checked with my friend and he has confirmed that he has not received back the {$50000.00}. This is outrageous. I have been given no explanation, and in fact now when I call up they tell me they can not speak with me any longer. I have not been in any way untoward. I have been professional, courteous and patient, but they refuse to speak with me now. I am not sure why this has happened. There is no illicit activity from me and I have given no explanation. I now find myself having to reach out to you for a resolution. I have spent a lot of time, effort and energy trying to get some information and my money back. I am owed {$56000.00}. I have also spent a lot of money on expensive international phone calls.
On XX/XX/2019, I received an email from XXXX  that a new addresss was being associated with my social security. I immediately viewed my credit report and noticed a delinquent account that had gone to collections. The collection company is Perfection Collection and they bought the collection from XXXX. XXXX is a home security company. My credit report shows an address in XXXX, GA. I have never lived in XXXX. On XX/XX/2019, I called XXXX and XXXX  and requested freezes and fraud prevention bc of the new address and the account. I even filed a police report with the belief that this was fraud. 

I also contacted the collection company. In speaking with them, they advised me that XXXX had installed a home security system at the home with the address now being used on my social. The account had been opened several years ago but recently went unpaid. This made no sense. The collection company advised me that they would delete the account from my credit report given that it was not me and that I did not open the account. XXXX  immediately removed the account from my credit report. However, XXXX  has refused to remove the account. I have attempted to dispute not only the charge but the new address with them on multiple occasions. Following my conversation with Perfection Collection, I did a search of the property address and the owner of the property is XXXX XXXX XXXX. My name is XXXX XXXX. Further searching I was able to determine that she is a XXXX year old, XXXX XXXX  woman. I am a XXXX year old, XXXX woman. Clearly, the collection agency made a mistake with the social security numbers given how close our names are. The tax record from XXXX also shows the owner of the property as XXXX XXXX XXXX. I have submitted proof of my driver 's license, the property record and the email from the collection company telling me the account has been deleted yet they keep denying my dispute. My credit score has gone from an XXXX to a XXXX on XXXX. I have spent countless hours on the phone etc trying to get this rectified to no avail.
On XXXX XXXX, 2017 I attempted to contact Equifax via the following link to their website : https : //www.ai.equifax.com/? XXXX This website continously " times out '' and fails to load, thereby denying consumers access to correct their credit reports and dispute inaccuracies.
I applied for a refi with XXXX XXXX XXXX who is my current mortgage company in XX/XX/XXXX. I was instructed to not pay my mortgage for XX/XX/XXXX and XX/XX/XXXX as the refi process was ongoing. Specifically I was told by loan processors that it was my choice to pay it but I did not have to as the refi process would " Take care of it. '' Today as my refi was to close almost 45 days after I applied on XX/XX/XXXX. The loan was closed out and I CALLED THEM to find out as my loan portal was empty. I was told that FHA regs cant go through as no 30 day lates were to be on my loan. I am beyond angry and feel like a fool for listening to these people. I am out {$500.00} for an appraisal as well as now have to make a double mortgage payment. I need help as they just brushed me off, I no longer desire to do business with these people as I was misled and now forced to wait as this bigly impacts my credit. I have nearly 100K in equity and I need to access it for home repairs and some consolidations. Is there any thing that can be done?? No where in my documentation did it say contrary to me paying the mortgage. I followed instructions to the T. I have all correspondence saved as well as documentation
I filed a dispute with PayPal on XXXX/XXXX/2016, which Paypal closed on XXXX/XXXX/2016 without communicating with me or investigating on my behalf the fact that a seller with Paypal defrauded me out of {$2600.00}. Per Paypal Dispute Resolution policy, I filed a request for Arbitration on XXXX XXXX, 2016, and I sent it by Certified Mail per Paypal policy, and I have the mailing receipt. Paypal has not responded to my request for arbitration and has ignored my repeated requests to have this matter presented to arbitration, despite Paypals 's policy regarding the consumer 's right to arbitration. Most recently, Paypal continues to claim, in written correspondence to me, that they have not received my request for arbitration, even though I have a certified mailing receipt that XXXX was mailed to the PayPal/Bill me Later, XXXX. XXXX, XXXX XXXX, CA, Litigation Dept. address. 
Please assist in this matter as Paypal is not following it 's own policy regarding the consumer 's right to request arbitration and their advertised consumer protection policies regarding Paypal 's Consumer Purchase Protection Agreement.
Over the course of  XXXX , I accrued a debt with the college I was enrolled at that year,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Due to some college loans/grants/awards falling through, I was unable to repay the amount immediately. I subsequently re-enlisted in the  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . While I was on  XXXX   XXXX , the college discharged my outstanding tuition bill ( {$8300.00} ) to a private debt collector, I believe in violation of SCRA. That private debt collector then assessed {$1800.00} in collection fees while I was on  XXXX   XXXX , also in violation of SCRA. ( Please see  XXXX ,  XXXX  claims debt transferred to ACT )
Navient ( formerly known as XXXX ) refused to release any substantial evidence on my loan while it was being paid for. They would only release my monthly statement and refused to issue in writing any records to indicate all transactions made to date so I could reference the paperwork to determine if I was being charged an accurate amount on interest or if my payments were being applied to the principal correctly. This does not seem to be legal as it negates in my ability to insure my loan is being treated fairly.
I called Navient on XX/XX/2017 to advise that I had lost my job and wanted some options for repayment. They offered to put me into forbearance for 2 months, which they only did for one. I have another Federal Student Loan that is handled by My XXXX and I made the same call to them, and their representative XXXX told me about the Income-Driven Repayment plan and sent me the application and talked me through all of the steps and benefits. XXXX also talked me through the Public Service Forgiveness Program, which I greatly appreciated and he spent over 30 minutes on the phone with me. Further, XXXX explained that I could benefit by consolidating my loans, and also that if I did so I could choose a loan servicer. These were all things I did not know about. 

I called Navient back on XX/XX/2017 and their representative, XXXX, talked down the Income-Driven program and tried to steer me away from it and was not helpful. Additionally, she denied that Navient had only given me one month of forbearance, and while we were on the phone she corrected it to two months, as evidenced by the emails and updates I received while we were talking. I was not offered any helpful information about the Income-Driven payment option ; rather, XXXX told me that my monthly payment would INCREASE by {$1.00} per month if I went into that program. I felt like I was being bamboozled, as XXXX also appeared to try to discourage me from using the Public Service Forgiveness Program. I am currently working to consolidate my loans and will choose My XXXX to service it, despite the fact that the interest rate is a bit higher, but Navient should be called out on how they handle customers.
Continued calls daily to my phone number all hours of the day and night, weekends as well. I do not know the person trying to be reached. I have left messages for AIC to stop calling me, but they continue to do so. PLEASE do something to get them to stop!! Its weird they do n't get the messages or idea that the person does n't live here!
I was tricked into signing up for Pay Pal credit when I just wanted to buy something using Pay Pal I want to just payoff and close account but I want them to remove the inquiry from my credit report and I cant payoff the charge since the charge is still " pending ''. I just want to pay-off and close account.
I am submitting a third complaint against Key Bank. I have had excessive over draft fees taken out of my checking account in the past several months. Though it 's difficult to decipher, It looks like I moved XXXX $ to my son 's Hassle Free Account which is connected to my basic checking and that this bounced my checking account though my account was not overdrawn at all until this showed up in the ledger this morning. I have attached the forms which shows that '' Items pad that overdrew your account '' XXXX I was not overdrawn. The ledger does not reflect at any time that my account was negative. The way that Key Bank manages their accounting is not ethical. There is a note that says that Pending Items are not subject to overdraft fees but they do affect available balance. The available balance on Key Bank Accounts needs to be accurate and up to date. Key Bank is notorious for this kind of unethical accounting. This makes XXXX overdrafts fees of XXXX that I have incurred since XXXX XXXX. That is excessive overdrafting. If the bank and the CFP_ look at my attached documentation, you can see that I use this account, I have direct deposits going into this account. The money flows are consistent. The only reason my account overdrafts is the way that Key Bank debits the account. Their methods for iincurring these fees are especially effective with folks like me whose accounts become very low between pay checks. Oh and there is one more thing that has happened to me. Not only am I being punished for Key Banks Magical Accounting Methods, but now when I want to make a deposit into my account, the tellers have to ask for an override to be able to deposit money into my account. They ask for an override and a manager has to come to the desk and allow them to deposit my money. So I am not only financially punished but I am infantalized and embarrassed in the process. All of these overdrafts and this infantalizing are causing me XXXX as I ca n't afford for this to happen over and over again. I also am taking valuable time out of my day to write these complaints which is affecting my ability to do my work.
I HAVE SENT IN FRAUD INFORMATION TO XXXX AND TRANSUNION CREDIT COMPANY AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT INFORMATION OR INVESTIGATE AND SEND PROOF OF INVESTIGATION
I 'm having a problem with capital one bank they are supposedly to be doing a fraud investigation on XXXX of my accounts and yet it 's been almost a month and no one is giving me updates about my accounts and each time I call them they give me the run around on my account status and not giving me a straight answer plus on top of that I tried to open another account in the same bank and they are holding my tax refund check which is not related to my XXXX accounts that they are investigating. This is the XXXX bank that is just putting me in debt. I just assume they are doing some wrong like with XXXX the XXXX bank I had done business before and now capital one. So can you please resolve this for me.
As stated on prior complaint I need natural disaster removed from the credit report regarding my property which has not been involved in any natural disaster. Per your response you stated this is per the banks discretion however XXXX XXXX XXXX stated that is incorrect because they do not have the property declared in any sort of natural disaster regardless of any other properties that may have been involved in a natural disaster any time this year with in XXXX County Indiana. Myself an American family are now asking that the comment declared as natural disaster which is incorrect and false information regarding my property now be properly removed. 

Your company States this is to help protect consumers from late payments however this does not apply to me because my property has never been affected by any natural disaster this is also being taken to the next level with a third party government official. Myself and many others do not understand why the continued issues with your bank have yet to be resolved going on almost 18 months now it is making me impossible to refinance and sell my home is the next step to file a lawsuit as many consumers have done over the years most recently over the past two years with Nationstar mr. Cooper XXXX? 

at the credit grantors discretion, a special comment code noting the account as potentially affected by natural or declared disaster can be reported with the accounts history. The code is added to all mortgaged properties within the declared disaster area and does not definitively declare that the property sustained damage. The comment is designed to protect consumers from the potential negative impact associated with a late payment associated with the declared disaster.
MY COMPLAINT IS AGAINST ( CITICARDS XXXX XXXX WHO IS THE DIRECTOR OF CITICARDS ) FOR DEPARTMENT NATIONAL BANK. MY COMPLAINT IS REGARDING {$400.00} IN ILLEGAL LATE FEES THAT XXXX BEGAN APPLYING TOO MY ACCOUNT XX/XX/XXXX WHEN XXXX XXXX TO PROCESS A PAYMENT I SCHEDULED FOR MY XX/XX/XXXX XXXX I LEARNED THAT MACY DID N'T PROCESS MY PAYMENT AND BEGAN APPLYING LATE FEES I QUICKLY ISSUED ANOTHER PAYMENT AND CONTACTED MACY TO FIND OUT Y THEY DID N'T PROCESS MY PAYMENT THE CUSTOMER SERVICE TOLD ME THAT SINCE IT WAS THE FIRST TIME IN 7 YEARS I RECEIVED A LATE FEE THEY WOULD REVERSE IT WELL THEY NEVER REVERSE IT AND INSTEAD ADDED THE LATE FEE TO MY NEXT MONTHS PAYMENT ALONG WITH ANOTHER LATE FEE .I FILED A COMPLAINT CFPB AND MACY EXECUTIVE OFFICE NEVER RESPONDED UNTIL I CONTACTED A XXXX XXXX AND INFORMED HER OF MY PROBLEM .XX/XX/XXXX I FINALLY RECEIVED A LETTER FROM MACY EXECUTIVE OFFICE IN AZ BY THAT TIME MACY HAD APPLIED OVER {$100.00} IN LATE FEES.