WillisBack/dataset-financial-user-claim huggingface dataset:
I got sick with XXXX XXXX and things started going down hill for me. I depleted my savings and other ailments also set in. I cant see well and I can not drive and I lost my job after the loss of my sight. I filed for Social Security benefits and that's my only source of income right now of {$1200.00}. I applied for loan modification and was turned down. I applied again and it was the same process. I fell ill again and was in the hospital for about 3 months. Now I can barely walk. Long story short I want to be able to stay in my home and had a friend assist me in filing for the modification again and sent Round Point Mortgage Servicing who is servicing my loan all modification documentation required. They responded that they have all the required documents and my loan was under review. Periodically we'll check to see the status of the loan and it will state still under review. Whilst my loan modification was under review my home was sent for foreclosure, I asked if they can take it out of foreclosure while my loan modification was reviewed and completed. I was told that was not a guarantee the foreclosure can not be stopped it depended on the loss mitigation dept. My loan was scheduled for foreclosure on the XX/XX/2018, I filed for Chapter XXXX bankruptcy on XX/XX/2018 to buy some time for my loan to be modified. I'm attaching the current modification application and status lookup and the bankruptcy order. I am old, ( 65 years ) and very sick, I just want to be able to stay in my home. There's plenty of equity in my home but I can't do a reverse mortgage either, I am short to payoff the loan balance. Please help me, I only want to stay in my home. I am on limited income and it will cost me a lot to get an apartment and pay my hospital bills and prescription. I can afford to pay {$450.00} a month from my SS income. I really need help. I checked the status today and it shows its no longer in active modification, they will not talk to me or my friend because of the bankruptcy I filed by myself, I don't have the funds to pay for an attorney. I just needed some time so Round Point can act on my loan for me. As of now I don't know what is going on or is going to happen. I want to pay, like I did before all these illness started, just don't have enough to cover a full payment. Thank you for your assistance. I pray you can help me. 
XXXX XXXX
On XX/XX/ I wrote a letter to Bank of America explaining my financial hardship. 
I stated that I have lossed a family member and had to help with funeral cost which is why I have missed payments. In the letter I stated if Bank of America would accept a reduced payment for the next 2 months on my debt starting XX/XX/. I also said I am not able to meet the current payment. And that I will pay you {$100.00} per month during this emergency. Starting XX/XX/ and I requested that my account not be placed with a collection agency and also withholding interest on my debt. I have received a letter and it did not assist with my issue stated in my letter.
TransUnion is well aware of an identity theft.gov report as per previous rep spoke with the rep tonight said ca n't find report and Transunion is taking more  than 48 hour s to block fraudulent items on credit file
XXXX XXXX and Equifax are ignoring my requests to investigate, verify and remove addresses from my credit reports/files that do not belong to me.
I have been getting relentless phone calls over the past month. There are too many calls to list. I would miss anywhere from 2-4 calls almost every single day. These calls were mostly made while I was at work. I spoke with a member I believe on theXX/XX/XXXX I explained my situation and why I was unable to make a payment at this time. I was pressed and pressed for more and more information and to why I have not made a payment. The call was not only invasive, it was disrespectful. She informed me that I would not receive any calls for 3 to 4 days. I received multiple calls the very next day. It was the same thing. Nothing I said was accepted and they kept pressing. I asked them to stop calling. The calls have yet to cease. The have harassed me every single day of the week multiple times a day.
I checked my credit history today ( XX/XX/XXXX ) and found that STELLAR RECOVERY was claiming that I owed {$440.00} to the original creditor of XXXX XXXX with an open date of XX/XX/XXXX. I have never had XXXX XXXX and do not owe this amount. I ask that it is completely removed from my credit history.
I have received a phone call from XXXX in regards to a debt owed to Citibank. Theystated they are a medication service. I have advised them i am working with a 3rd party on this matter and all of this information went into a judgement back in XX/XX/2014. I have requested supervisors, and never received a call back. Advised agents that I am already working on this and to stop the calls. I was advised that calls will continue because they dont have the documentation on their side. I have asked not to be contacted, and still receiving calls. This matter is being handled through XXXX XXXX  XXXX in XXXX, AL and my bank statements show payments are being made and are on time.
My husband received crepeated calls today   X/X/17  from a lady that stated she was a debt collector and wanted to know if my husband 's wife ( being myself ) was embarrassed about a credit card debt that I have received no notifI cation about. They have not contacted m e until today when my husband tells them to contact me. I asked what this was for and for what charges. The lady responded with " our computers are down so I ca n't see the charges ''. I then asked that documentation be mailed to me personally and the response I received was that she could email me ( which I still have n't received ) I want this harassment to stop.
I took out a {$700.00} loan with SpotLoan. The interest being charged is much higher than I expected. I had not idea that the interest charges would be as high as they were. It is exuberiant as to the fees they are charging. I belive this is an illegal tribal company and I do not wish to be a part of this. I also ca n't find where I was provided a copy of the loan and do n't see an option to view this in my account.
For quite some time ( more then a year ) ... I have been working on my credit report to remove and delete erroneous, inaccurate, accounts not mine, etc ... and in exercisING my rights PURSUANT TO THE FCRA , ..I  requested VALIDATION at le ast 3times fr om FURNISHERS, and disputed several ( at least 4 times ), and to this date I have no VALIDATION from the  XXXX  major credit bureaus (  XXXX - XXXX -  XXXX   ), ,especially  XXXX   XXXX  company . ..I 've re quested METHOD OF VERIFICATION ..and to this date my FCR A RIGHTS HAVE NOT BEEN HONORED OR RESPECTED.!,,,,
I 'm a holder of a XXXX Mastercard, issued by Barclaycard. In the last month, Barclaycard has stopped XXXX of my transactions and harassed me either via phone or text message that my card is blocked due to security concerns. 

The transactions ( XXXX XXXX / XXXX XXXX / XXXX XXXX and two times on XXXX XXXX were in range between XXXX - XXXX USD. As Comparison, my Credit Line is XXXX USD and my annual spend with the Card approx. 60k USD. 
I understand that as a card owner I have the obligation to support the card issuer to keep my account safe, but stopping the usage of my card XXXX times within a calendar month where non of the payments are disputed require your regulatory advise.
XXXX AND EQUIFAX ARE BIAS AND SHOWING FAVORITISM TO XXXX XXXX XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.
Hello Ive been a Bank of America client for many years and have had this particular card for over 17 years.   My complaint pertains to an issue with BOAs online bill pay system that malfunctioned and led me to be marked late for the month of  XXXX   XXXX  for a payment that was due on  XXXX   XXXX   XXXX .     Bank of America at the time me on an auto payment system called Net Access Payment which required that I indicate a specified minimum payment amount after manually checking what the minimum payment is and that amount would automatically be deducted from my bank account.   But this meant that if the minimum increased, l Bank of America would still take out pre-set payment amount, thereby the payment that would be taken out would not be sufficient to cover the minimum payment.   My company requires me to travel a lot due to which I have auto payments setup for all accounts. I called BOA multiple times to try to get an actual auto payment system setup where I did not have to manually change the payment amount constantly, but was told at the time that no solutions existed and that I login from time to time to adjust the montly payment.     Back in late  XXXX  and early  XXXX  I logged into the BOA system and checked the minimum payment had been adjusted to {$170.00}. Therefore, I changed the auto payment amount accordingly to be a bit over the {$170.00}, as I wanted to take advantage of the 0 % apr and not payoff the account too quickly.     After doing this I began to travel all over the country for a period of 3 months for work and assumed payments were being taken out and the account was current. All the while I made sure no additional purchases were made with the account, as otherwise the minimum payment would have adjusted and I would constantly need to re-adjust the auto payment amount.     Finally upon returning home in early  XXXX   XXXX , I found my credit report score had gone done, as a late payment for  XXXX   XXXX  was reported by Bank of America. There were no calls or emails from Bank of America prior to this alerting me of any problems.     I would find that firstly BOA did not take out a payment for  XXXX   XXXX   XXXX , that I had setup as the auto payment amount, and only took out a  XXXX  payment for {$170.00}.   Additionally, I was told that the payment due for  XXXX  was not the {$170.00} that I saw in  XXXX  after I had made the last balance transfer transaction, but instead had moved up to {$290.00}. The reason I was given is that when I logged into the BOA system on  XXXX   XXXX  to check my minimum payment, although the balance transfer for {$8000.00} had registered and the balance I saw was the updated balance, bu t BOA id not  adjust the payment until the following month.     Now had I known about this I would have certainly increased the payment amount.   I had over {$5000.00} in my checking account at the time, which was more than enough to cover the minimum payment. I have attached a copy of my bank statement for this.     I have called Bank of America and despite me being put on hold for ove r 30 minutes , they were not able to figure out why their own auto payment failed to take out the  XXXX  payment.
I do not dispute that I took out a payday loan with XXXX but I repaid the loan years ago. I had to get a mortgage in 2014 and ensured my credit report was squared away well in advance of the home purchase. It seems documentation of the repayment has become lost in the shuffle as the debt was bought and resold ( who knows how many times ) and a new random debt collector has reported the debt back to all XXXX major credit bureaus. I 've disputed with all XXXX, XXXX came back as deleted, the other XXXX show 'remain ', I called this debt collector ( Midwest Recovery Systems ) and XXXX woman told me they were updating it all to 'delete ', and today 's call with a gentleman said they had plans to rereport it to all XXXX bureaus. This is very upsetting. I paid this money back in full years ago. It 's not my fault the documentation on the debt collector was lost or not retained. My wife lost her job last year and I need to refinance my mortgage. With this on my credit report, I 'll get a less favorable interest rate when I refi. I also need to buy a new car next year and this will impact me there, too. I do n't know who else to engage on this, but the burden of documentation should be on the debt collectors if they 're so easily able to buy and resell debt this way. How on earth can a consumer ever know when this is happening, especially in error, until it slams their credit score?
Regarding Fidelity Rewards Visa Signature Card A small purchase ( {$40.00} ) was denied by card issuer on XX/XX/2018. My wife called card issuer customer service and was asked to verify her identity by answering multiple questions ( as usual, address, SSN, credit limit, etc. ) She was told that an unidentified individual had contacted the card issuer by phone on XX/XX/2018 and had made a change to the account in so far as a new personal phone number had been entered, and therefore fraud was suspected. The representative informed my wife that the card would be " blocked '' until one of the card holders could appear in a Fidelity office in person to verify the account. On XX/XX/3018, I personally appeared in the Fidelity office in our local community and in a conference call between myself, the local fidelity rep, and a credit card service company " fraud '' representative I was asked to review recent purchases. I was informed that two purchases had been made with the card on or about XX/XX/2018, one in the amount of {$990.00} which was clearly a fraudulent purchase. ( even though we had previously been told the card was " blocked '' ). The credit card rep then when on to verify account information including the " new '' personal phone number, which of course I identified as fraudulent. She stated the account would be closed as of that date and new cards with a new account number would be sent to us within two days. 
On the third day after that conversation no new credit cards had been received. I once again called customer service and the rep used tracking information to confirm that the cards had been delivered the day before. When I asked the rep to confirm the delivery address, I learned that the cards had been sent to a fraudulent address entered on the account on XX/XX/2018 at the time that the fraudulent phone number had been entered! And I would presume that the fraud complaint form was mailed to that address as well, since I have not received it at the correct address, thus alerting the " fraudster '' to the entire sequence of events! Clearly the second representative, who interviewed me in the Fidelity office, failed to verify or document all the pertinent account information ( specifically the account address ). 
Another account number and new cards were offered but after discussing the events with both the credit card fraud department and two supervisors in that department, I decided I did not want to continue as a customer and asked that the account be closed. I expect to have all fraudulent charges charged off but I do not as yet have confirmation. 
So the issue is " resolved '' but I think the errors made by two credit card representatives have put much of my personal information at risk. And the company informed me it was MY responsibility to alert my local police department to the fraud.
On XX/XX/2017. final payment in full note instrument number # XXXX for settlement and closure in the amount of {$6500.00} for Wells Fargo Credit Card MasterCard ending in XXXX was accepted and received via USPS overnight express number XXXX by Wells Fargo att : CFO XXXX CA XXXX. 
pursuant UCC 3-311 payment satisfied debt in full pursuant UCC 4-302 Wells Fargo had 2 days to return the check if refused. 
pursuant UCC 3-603 ( b ) ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, However payment has not been applied to the mastercard credit card. I request Wells Fargo to credit my mastercard credit card account ending XXXX for settlement and closure accordingly.
I received an offer in the mail for a platinum  card from Amex. I held a basic credit card with them and thinking because of my good record with that  card they were offering me this platinum card. I applied and was accepted and a card sent to me in the post. Only after using the card and receiving their bills did I query why they were charging me the full amount of cash used rather than a portion, how other card operated. They then advised me that oh no this card is a pay all card whatever you use you pay off at next billing cycle. They the advised the it 's in the " small print '' so this is not a credit card after all. At this time I had already committed to purchase a bicycle from   XXXX   XXXX  . A deposit was paid and could not be reversed. This card is a dangerous card.
I went into a local XXXX XXXX banking branch and attempted to open a basic checking and savings account. At the end of the application process I was denied due to being flagged from a third party credit reporting agency, XXXX XXXX XXXX, XXXX. I called XXXX and they stated that there was two discrepancies on my consumer report that could be preventing me from opening a bank account at a reputable banking institution. One was from XXXX XXXX with a charged off balance of {$510.00}. This was entirely my doing. The second was a charged off account from Citibank , N.A . for a total amount of {$1100.00}. I have NEVER banked with Citigroup XXXX Inc. for the duration of my life. After further research, this fraudulent account was opened on XXXX XXXX, XXXX. My identity was stolen and fraudulently opened a checking account with the unauthorized use of my social security number.
I am on the 120 month repayment an as I XXXX in a high needs area. When reapplying each year I was given a combination of incorrect phone numbers, incorrect fax numbers, different 'acceptable ' documents necessary, and told my documents were 'lost '. I was also given different information from different people. During theses times my loans were put into forbearance as to not have them go into default. While I am in good standing, thus has added several months of added interest and time that I have to repay. And it has happened every year.
I have a fixed 2nd mortgage with Nationstar Mortgage. I noticed on my statement that I have been assessed a {$37.00} fee for " Optional Products and Services '' beginning XX/XX/2016 to present day. I DID NOT opt-in for this optional product /service.
My Experian score dropped 25 points due to XXXX reporting my account as closed. Per my Experian credit score, it was reported XX/XX/18. When I checked my score XX/XX/18 is when I noticed it had dropped. My loan in currently deferred, so it should not show as closed, as that is inaccurate reporting.When I check XXXX XXXX, which using a different scoring module, it shows open, as it should. I have called XXXX and was told they " have nothing to do with that ''
XXXX XXXX XXXX XXXX account have no original creditor,. not compliance with FCRA
On XXXX/XXXX/2016 I made purchased a furniture set for roughly {$1000.00} on Kohls.com. This order number is XXXX. 

My formal complaint is regarding their credit card marketing and the misleading approach that they use. I had planned to use my XXXX XXXX yesterday and when I submitted all information in the ordering process a pop-up window appeared. I was on the very last submission page about to click " submit and finalize order. '' This pop-up says, " Apply for a Kohls charge card and you can save 20 % on this order! '' My order totaled {$920.00}. I am not XXXX to take out credit cards, but this was enough of a discount that I thought it would be a good idea. I had used a coupon code prior on the site, but it says under promotion codes you can use up to XXXX. I also looked at the fine print ON the pop-up ad and no where led me to believe I could n't use the discount especially since they already had all of my order information. I moved forward with the application process to be approved. As soon as I went back to the submission page and submitted the order I realized it had not taken 20 % off additionally. I called customer service and they told me that it was due to me having a discount already. I see this as nothing, but a misleading marketing ploy and they even agreed on the phone that it could be misleading. Even though they seemed somewhat sympathetic to me they were not willing to return my grievance of 20 % ( {$180.00} ).
XXXX. 
Every time in attempt to obtain my free annualcreditreport from XXXX the sites CAPTCA codes do not propperly display XXXX 's or XXXX 's. You cant tell the diffrence between an O or a XXXX, or a XXXX or an i. If you are unlucky and fail 3 times your locked out. 
More frustrating is the fact that the credit file questions are completly wrong or their systems are down. You are forced to call the " Big XXXX '' to figure things out. When doing so you are being solicited products. This has to be by design! By LAW they are required to provide a FREE credit report each year via the web interface! What is will you do to improve your Captca code module and what will you do to audit the big XXXX 's web interface success rate vs failure ( mail ) the big XXXX must have their systems up to accept requests, as their internal systems sure seem to work. 

Attached is a screen shot of experian 's bad list of credit file questions that do NOT pertain to me. When I choose none of the above their system fails or says system down.
I filed complaints XXXX, XXXX and XXXX. While the results from XXXX re investigation end in removal of the accounts in question from my credit report something is terribly wrong between the CBs investigations or the company XXXX XXXX XXXX XXXX XXXXXXXX XXXX is deliberately reporting different information to the different credit bureaus ... .someone is providing false information because XXXX claims to have updated the information. Furthermore, the accounts in question have yet to be removed from my reports in complaint XXXX. I try and have patience regarding these matters but the CBs seem not to have a problem putting the information on my report the same day it should be removed as well in a timely manner. I refuse to allow this to keep happening and will continue to complain until this matter has been satisfied. If the accounts are verified as mine then I will not deny them but playing around with my credit is doing serious damage to my credit and the next step will be a law suit. I have tried contacting XXXX by phone and the website and it says that the system can not access my account due to on going disputes but claims I can view the status ..but will not let me as of X/XX/2017