WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account XXXX. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on XXXX of the duplicates. I did so as my family would not have had enough money to survive. In XXXX, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In XXXX, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced " re-payment plans '', I have given PHH almost {$22000.00} in the past year and am still being sent past due notices. I 've now been sent a " right to cure notice '' demanding another {$5000.00} plus before XXXX. Since my normal mortgage payment is around XXXX monthly, a years worth of payments would only be {$15000.00}. I have no idea how I am still behind in my payments and can not seem to get out of this cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( {$3400.00} ) by the date it was asked for ( XXXX ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the {$3400.00} and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the {$3400.00} and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them.
Creditor sold loan for more than I owed and now they are constantly harassing me at work and home even after I ask them to stop calling and simply mail me information. 

XXXX x XXXX
THIS VEHILE WAS TOTALED AND THE LOAN WAS PAID OFF BY INSURANCE, IT WAS NEVER LATE SHOULD NOT SHOW A BALANCE, AND SHOULD BE MARKED CURRENT
On XX/XX/14 I applied for a care credit card at my dentist office. It said 0 % apr which is why i chose to pick this card for my dental work. I had XXXX placed in credit on the card to pay for my appt. I have made on time payments for a little over three years. Only until i didnt pay one of my bills did i receive for the first time a paper bill which stated i still owed XXXX. I called them to correct the info. They are stating that when i started it was just a promotion but that it was only for a year. I had never recieved any emails or paper mail stating that this Promotional apr was ending and that i would be on 26.96 percent apr. I would have taken out a personal loan at 10 percent apr and not have kept the card. The information is very misleading.
I was given a unaffordable loan mod in XXXX 2015, I appealed to get an affordable payment and they denied me 3 times. I have an agent that listed my property after the last denial XXXX 2015. the property was listed XXXX 2015. It took a while to get a buyer and we have one and now. SLS is dual tracking and they want to foreclose on me? They have had my file for 4 years and it took them 4 years to approve a loan mod, that I ca n't afford. They have four years of up to date financials, four years worth!! so since they ca n't give me an affordable modification I have no option but to sale the property. XXXX is n't letting me short sale and I do n't know why. my agent listed the property shortly after the refused to give me an affordable loan mod. listing date XXXX 2015 and we got an offer to stick on XXXX XXXX 2015 and sent it over immediately along with a complete pkg. SLS confirmed they have a complete pkg to review but are still trying to foreclose. I am not understanding their behavior. it took SLS 4 years to review my file for a loan mod This is outrageous behavior and would like to sell my home please. I dont want to go to foreclosure because the bank messed up.please help me from foreclosure via XXXX and no dual tracking so I can sale my property before foreclosure. We have a valid offer in and under review. XXXX different people at XXXX has confirmed my short sale file is complete and under review. XXXX, XXXX and XXXX. They have set a sale date for XX/XX/2015 we need ample time for the escrow to close. this is disturbing. Please help me so I do n't have to go through foreclosure. I may need an extension but we are doing everything possible tyo close by XX/XX/XXXX. all corresponding documents that were sent to them are attached. 

Thank you very much and XXXX
Hello, I 've been dealing with XXXX XXXX XXXX for the past 6-months. I 've worked with XXXX XXXX XXXX  XXXX XXXX ( a XXXX ) organization for the past three years. I recently found out that they have not been counting my payments towards loan forgiveness over this period. 

I 've been writing them and working with them consistently and finally got a determination that I have qualified for 13-payments. I 've been working for this XXXX for 37-months. I agree that my first year of payments should not count as I was working as an XXXX/XXXX XXXX XXXX fellow and did n't apply my award in a lump sum award. However, the other 25 months I 've worked at my organization should be counted towards forgiveness. 

After my determination, I asked why they did not count the other 12-payments and they simply sent me a chart but did not give me a determination as to how or why they came to this. Similarly they stated in a chart that there were 11-months that they received no payment yet I again have documentation of this. 

Then, they attached a chart which said they did not receive full payments. I have bank records and other documentation showing this is completely false. I truly believe they are lying intentionally. 

They 've said multiple times they 've never received documentation from me but yet I have copies of these things. I would like assistance getting to the bottom of this issue.
I 've submitted disputes with the  XXXX  national credit reporting agencies ( Experian,   XXXX   and  XXXX   )  concerning (  XXXX   )   XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ) , I 'm notified by my own ( not the credit bureau  ( s  ) credit monitoring alerts, a general " Meet FCRA requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated   XXXX   XXXX   , 2017.  The credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report and  credit score t remendously by making appear more at risk to lenders.
On Friday XXXX XXXX, 2016 I called Transunion and XXXX to let them know that they were inaccurately reporting personal information, specifically addresses on my credit report. XXXX agreed to delete inaccurate addresses that I am no longer associated with specifically the address : XXXX XXXX ca XXXX - Transunion added this address to my credit file and i have NEVER been associated with this address. This address can not be verified by any means as i have never been associated with this residence. They also added XXXX XXXX XXXX XXXX an old address i am no longer associated with. Reporting these addresses on my file inaccurately is putting me at a high risk for identity theft.
I can not get any help from EXPERIAN. I tried emailing the message below as a result of all my mailed correspondence being returned to me with the claim that their Agency thinks I am not me. They are ruining my credit and will not help me with anything. I am blocked on their website form filing any disputes on my information. I can not get help by mail. No one will assist me at all. 
Please read the following email : Sent to Experain : I just spent two hours attempting to navigate your site. At this point I have no idea if I even have an account. I can not login. I can not find my report. I can not figure out what I was charged for or how much I was charged after inputting credit card information twice. Which I also can not understand since the only reason I even started this whole process was because I was offered FREE access to my Experian report. 
Kindly explain what is going on. I need to know what I have been routed into here. 
In addition I was just declined credit due to my Experian report and I am told I have the right to my FREE report. How do I request that? I am requesting that. 
Your agency is giving me a rating that is XXXX points below all the other reporting agencies. Due to the impossibility of emailing anyone at your Agency and also not being allowed to access my online information, I can not dispute information that is obviously incorrect. Otherwise there would not exist such a large discrepancy in the numbers. 
I would appreciate any assistance your can provide on these issues. 
If you can not assist me with any of this, I need contact information for whomever can. 

XXXX XXXX XXXX
I had had fraud charges on my XXXX XXXX card and reported those charges and the claim was denied because the claim dept said I have not return the claim form, I have sent the form back to them 4 times with a police report. I disputed charges that amounted to the entire balance on the account. Now they have reported to the credit reports as collections and sent me to collection which unacceptable, I have communicated to them for the past several months about this issue.
Consumer complaint narrative I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit and a police report asking that they remove the XXXX XXXX is the results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter. As to the damage done by having in my credit report this fraudulent item, I been rejected 10 times for new credit.
I have been requesting validation since XXXX of this year 2018. I have tried reaching out to all three ( 3 ) credit bureaus and also the creditors requesting validation. The credit bureaus failed to provide me with validation used to verify accounts reporting on their site. I have also reached out to all parties to have them validate the debt. The companies include Synchrony Bank/ XXXX XXXX , and Synchrony Bank/ Wal-Mart . I have asked for something bearing signatures or the original creditors documentation on file to verify that this information is mine or correct. The only thing I have received in return is card statements.This is not right persuant to Federal Law.
On XXXX/XXXX/XXXX I spoke with representative XXXX ID # XXXX @ XXXX ; XXXX am to advise him that I needed to replace a credit card. I was advised no problem, I was also advise " Not To Make A Payment and No Late Fees would inquire on my account, I should receive the replacement card in 7 to 10 business days ''. I received the replacement card along with a NOTICE Of Late Fees and a additional payment requested. On XXXX/XXXX/XXXX, I had called Capital One regarding clarification on the new billing statement that I had received. The new statement advised me of the non payment plus a late fee. I advised XXXX # XXXX XXXX of the issues and she hung up on me. I called back and spoke with XXXX # XXXX regarding the issue again - no recourse ... so I asked to speak with a XXXX. XXXX XXXX # XXXX # XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX was very rude would not let me talk until I called her out so she would listen. I asked to speak with her Mgr - XXXX XXXX XXXX and I was advised her XXXX does not speak with the PUBLIC - in my opinion nothing was achieved and i asked for a review. I was advised that takes 6-8 weeks. Its funny when the public wants to get something done and we pay our bills ... ... .I takes a act of XXXX to even think about doing something ... .But when they want their money they want it YESTERDAY. If the original associate was provided with the correct training and provided the correct information at the time of the call. their would not be a complaint. If and when I get this card paid off. I will never get another Capital One Credit Card Again ... ... It 's not worth the constant hassle. The employees at Capital One do n't appreciate where their paychecks come from
I contacted the company to let them know this account has been previously removed due to ID Theft. The company sent an affidavit to be motorized and returned. The company agreed to remove the debt from my credit report. That was over 60 days ago, they said they would remove it refused to send me anything in writing. I am very upset and requesting the company remove the items from my credit report. They told me I must wait until they report.
My husband injured himself and needed to interrupt our trip overseas. We came home early in order to get proper medical care. We put in a request with Citibank Mastercard Benefits Program several months ago, and were assigned a case number of XXXX. We were told our claim would be handled by the XXXX 
We provided doctor 's notes, trip itinerary change information, and other expenses. No one ever got back to us. I called several times and ws told I needed to provide a physician 's note, which they already had. 
Now they claim that they only provide trip interruption insurance if the person was unable to TRAVEL ( even to fly back to place of origin. ) My husband was able to fly home, but not able to continue the trip. That is what I deem trip INTERRUPTION. I believe the wording in their Benefits Brochure is deliberately obscure. How can one INTERRUPT a trip and still stay overseas? They then would have claimed that our trip was not interrupted or cancelled. 
[ If a person got sick on a boat and was evacuated home, he was able to travel for medical care, but not continue his trip. Would he be denied INTERRUPTION insurance? How could he have both stayed on the cruise, and not stayed on the cruise at the same time!?! ] I would like them to honor the intent that any reasonable person would believe- trip INTERRUPTION means a trip that was interrupted due to a medical inability to continue that trip.
this has been an account from this company that is being reported but was a result from identity theft my identity was stolen and used to establish this account butr yet they still have this account as mine when i have sent information that it is not mine police report affidavit with a denial of any benefit i just dont know what to do at this point but this needs to be deleted from my credit file immediately and closed in all of their offices
I check my credit report regularly, and I noticed today that in XXXX, 2015, Paypal Credit performed a hard inquiry which I did not authorize. I already have such an account and neither my wife or I applied for another. In contacting them, they only have record of an application for credit with my SS number, which is incorrect.
I applied for an XXXX XXXX Card online for less than perfect credit. I was told that they required further verification documents. Since i didnt receive an email from them i decided to call today. XXXX website is said to be financed by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Today i called whom I thought was XXXX, to follow up and see which documents they required and was told that their other " department '' as stated by the representative will handle my call. When I asked the name of the company they stated XXXX XXXX XXXX XXXX. When I asked her if they were affiliated with XXXX she refused to answer the question. She then stated that my account is being serviced by Alpha Recovery Corp, XXXX. When I called that number they said they were a debt collection agency and were attempting to collect a debt. I informed them that I am working with Attorney XXXX XXXXXXXX XXXX Lawyers due to some incorrect and unlawful reporting for this specific account on my credit report. My attorney has made disputes through the credit agencies addressing the miss use of collection reporting by this company. So I feel that XXXX was a cover up company for XXXX XXXX ( Milestone ) who was trying to collect a debt through Alpha recovery and XXXX XXXX without providing validation of the debt as requested through my attorney and from my direct disputing through the credit agencies in the past.
Someone opened a fraudulent account in my name with XXXX.After filing an identity theft report with the F.T.C. and many phone calls and faxes, disputes and emails XXXX agreed to close the tradeline and have it removed from my C.R 's. I tried disputing this many times with all XXXX major Bureaus and XXXX and XXXX both removed the item however Equifax keeps saying that their SO CALLED investigation concluded that it was mine.These people at Equifax are SO INCOMPETENT it is unbelievable! I faxed, emailed them proof that it 's NOT MINE many times over and I am going to upload a letter from XXXX at the end of this complaint stating that they concluded it was fraud and requested that ALL XXXX BUREAUS ERASE IT FROM MY FILE!!! What kind of investigation does EQUIFAX do if any at all? This claim of them investigating is a blatant lie because obviously if they even made a phone call or read the faxes and emails they would have seen I am telling the truth!! As if it 's not bad enough i was a victim of fraud now I have to deal with these incompetent people at Equifax who seem, no not seem.. ARE making it so much harder for victims of identity theft to clear up their file then they make it for the crooks to ruin it.This is insulting and an Injustice and they have to be looked into because as far as I am concerned they are just as bad as the criminals who used my name to open fraudulent accounts!!!!
I was unable to maintain a reservation with XXXX HOTEL in XXXX Florida due to an XXXX which would require emergency XXXX as soon as possible. The XXXX indicated that I should not fly before the procedure and that the procedure would need to be conducted under XXXX. 

I would like to also point out the following statement contained on the documentation supplied by the XXXX HOTEL : " Please note that this special rate requires a full pre-purchase, non-refundable deposit at the time of booking '' My monthly statement reflected a deposit in the amount of {$30.00} that was both credited and debited in the SAME DAY. However, the XXXX HOTEL instead charged the entire value of the booking. At no point during the booking process was it ever stated by the merchant that the entire booking was non-refundable. The {$490.00} amount charged to my AMEX account was the FULL COST OF THE BOOKING NOT A DEPOSIT!!!!! It appears that the XXXX HOTEL deceitfully credited back a deposit ( {$30.00} ) in an attempt to extort the value of the entire booking instead.
paid for services i discontinue XXXX  is still taking money out of my account regions not letting me login and remove the inaccurate charge from XXXX
We were victims of hurricane Irma in XXXX Florida. Our power was out for a week from XXXX XXXX through XXXX XXXX. Due to limited access to internet and financial and government institutions being closed, I missed a {$15.00} payment on my credit line. On XXXX XXXX, I called PNC to make payment and bring the account current. I spoke to XXXX XXXX at PNC at XXXX. He assured me the late hit on my credit report would be reversed. I tried reaching out several times following our initial conversation leaving voice messages with XXXX XXXX at PNC with no reply. PNC needs to reverse the 30 day negative late on my credit report.
Related to Wells Fargo Complaints : In approximately 2009, we decided to refinance our 30 year conventional mortgage, because the interest rate on our then Wells Fargo Mortgage was quite high. We applied to refinance the mortgage with Wells Fargo, because they were familiar with our good payment history. At that time we had over XXXX percent equity in our home. Wells Fargo tried to convince us not to refinance. They finally agreed to refinance at a lower interest rate, but only if we agreed to pay mortgage insurance for at least one year. Given that we had over XXXX percent equity, we were not borrowing against the equity, and we had never fallen behind in our payments, we inquired why we would be required to take out mortgage insurance. We were advised, given the current financial crisis, anyone taking out a mortgage with Wells Fargo was required to take out mortgage insurance and that we could apply to have it removed after making one payment under the new mortgage. We were told, however, that Wells Fargo would likely continue to charge the mortgage insurance for a one year period after receiving our application to have it removed. So, we declined to accept the terms and conditions with Wells Fargo, and refinanced ( with no mortgage insurance required ) through our local credit union. We believe Wells Fargo was bilking people with good credit and mortgage payment histories, out of money by charging for mortgage insurance that was unnecessary. The bank was likely pocketing the money -- or a portion of that money, perhaps in collaboration with mortgage insurance companies.
My home mortgage was bought out by Chase after closing on my house. My PMI was suppose to drop off once my Loan to Value ( LVT ) ratio hits 80 %, my LVT ratio has hit 65 % and the PMI still has n't dropped off. I have contacted them 3 times and they are unwilling to drop it off saying I am not eligible, when the law and terms clearly states it drops at 80 %.
I was job scammed. I was contacted by somebody name XXXX XXXX and offered me XXXX hour at home job as data entry. He gave me a clear detail of the job. Then was instructed to deposit XXXX checks two XXXX and XXXX to buy the equipment and part of my training. Only XXXX of them was cleared which was XXXX. After that was cleared by my bank ( Bank Of America ) on XX/XX/2017 i was told to deposit it to wells fargo bank account but it didnt exist in MA then money gram but wallet was stolen on XXXX XXXX so my XXXX ID is gone. Then he told me to buy XXXX worth of itunes card but XXXX was the max. I scratched off all of them and gave him the codes that i was instructed too. I was so commited with this job that i assume was legit at first since the bank cleared the checked so i had a feeling it was legit. After i followed that he instructed me to deposit the rest XXXX to Acct name : XXXX, Bank of America Account No : XXXX XXXX XXXX, XXXX XXXX address if needed : Bank of America , NA XXXX XXXX XXXX XXXX XXXX Routing # : XXXX, Account address if needed : XXXX XXXX XXXX XXXX XXXX, TX XXXX. Then after that i was instructed to deposit the XXXX check which was XXXX. The next day my account was overdrawn and a negative XXXX was on my checking. I called the bank and they said the check was return. I filed a fraud scam activity and notified them the incident. I was recommended to open a new account and froze the frauded XXXX so i did. The file the report and they said i will be responsible for the loss of XXXX. Also they said there was a chance the XXXX could be recovered since its bank of america to bank of america transaction. Now XX/XX/2017. I called them again and short story they said i will be responsible for it. Can you please help me? i dont have a good job just descent its by commision and a part time. They are charging me a loss that they made. They shouldve been able to detect a fraud check and shouldnt have cleared it.