WillisBack/dataset-financial-user-claim huggingface dataset:
was laid off back in early 2016 I contact my mortgage lender Ditech LLC to talk to them about my current situation. I work in the XXXX as a XXXX and was on a temporary furlow. I read in Ditech 's paperwork that they work with clients in situations where they need temporary assistance. When I contacted them I was told there were no such options for me. I was put in contact with at least 14 different representatives to no avail. All I wanted to do was rectify the situation and get back on track. They pushed me further behind in payments because they kept switching me to different departments/people. I think this is a tactic to put you into foreclosure. I hired a lawyer to help me with the situation and I was then given a loan modification. I did not sign the paperwork because of the terms and when I tried contacting the person on the paperwork they never called me back - at least 12 messages. I did not want to sign something that was given to me that in the letter is clearly stated if any questions before signing contact so and so. 

After paying for help they continually pushed me further behind asking for proof that I was back to work I showed 12 months of paystubs and they came back with a determination that the hardship was not satisfied. The hardship was absolutely temporary and resolved. I just want to pay my mortgage we are a family of XXXX and I work in a XXXX XXXX in NJ. Upstanding citizen and I find it very unfair that Ditech states unfactual documents about my situation!! 

Please any help is needed to resolve this matter. 

XXXX XXXX
I filled for bankruptcy in XX/XX/2016 Case # XXXX and DIVERSIFIED CONSULTANTS INC was included in my filings. They just posted something on my credit report that was included in the filings.
I have been working with my lender regarding a loan modification. I have provided and supplied all documents upon request and the lender has confirmed receipt of all documents. Now, XXXX day prior to the foreclosure sale I am being told that they do not know yet if my sale will be postponed as they have not yet determined all documents are there although they have acknowledged that the file is complete as of XX/XX/2016. All my homeowner bill of rights are being violated as I am not being provided with a significant opportunity to obtain loss mitigation options to avoid the foreclosure and have done everything possible on my end to attempt to do so. I also believe it is illegal to foreclosure on my property when I am in an active loan modification with my lender.
I received an offer in the mail from Citi Bank for a new credit card. The name of the credit card was Platinum Select XXXX XXXX master card and the bank name is Citi. The offer stated that I was eligible for the credit card and if I spent {$3000.00} in the first 3 months that I would receive XXXX XXXX miles. Since they sent me the offer I applied for the card. I was instantly approved for the card. I got the card and started using it. I spent over {$4000.00} dollars on the card and I called in to see when I would get the XXXX bonus miles and they said I would receive them soon. I called back a month later and they told me that I was not eligible for the XXXX bonus miles. I just want Citi to stand up to their word and honor their commitment and give me the XXXX bonus miles.
I have been getting robot calls from a company that states that I have a XXXX debt with Cit Bank. This is untrue and I have disputed this. This card was opened illegally in 2011. Yesterday the calls began. I had a conversation with 5 people who after I identified myself and denied the debt, we would get disconnected. XXXX XXXX. 

Today the calls have started back up. When I call they hang up. I left two messages. The last message stated that I just needed information. It seems that they would talk and explain. The number that calls is XXXX ( XXXX ) XXXX. 

Thanks for your attention on this.
On XXXX of 2018 I received a text message alerting me that 2 fraudulent charges were charged to my account. Both of these charges were from a merchandise store at sea world. These charges were almost close to 800 dollars all together. I immediately called my bank to report this issue. A couple days later they refunded me the money. Fast forward to almost 3 months later my account is negative ( over 700 dollars ) I called my bank and they told me my claim was denied after investigation. They told me my card was at my possession and only I knew the pin. Therefore theres no wAy that those charges could have been done by someone else. If they look closely to statement I have never spendt so much money especially at some random merchandise store a sea world. If my bank is claiming that I made a false accusation stating that money was taken without my account why wont they report it to authorities? Those charges were not made by me. Im negative XXXX dollars. I know its not much for some but for me it is. I depend on a month to month check. I feel that they did not do a throrough investigation.
My personal information may have been stolen during the Equifax security breach. I have already visited www.equifaxsecurity2017.com, and after I entered my information, I received this message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident ... '' Because I may be affected by the breach, I have placed a 90 day fraud alert on my file.
They put on my credit report I owed XXXX I dont know these people I was never contacted it took me along time to build my credit score up and now they have damaged it I had a score of 763 but now with this it makes me so anrgy. On the XXXX site it also talks of other people that dont have these bills and they have reported to credit bureau. These people are trying to scam old people plus XXXX knows who else. something needs to be done.
On my XX/XX/2018 my partner and I decided to proceed with the Loan assumption to be under my name XXXX XXXX XXXX XXXX, for the house located at XXXX XXXX XXXX XXXX, XXXX XXXX CA, XXXX. Normally the assumption process take 1 to 3 months according to the Mortgage company. on XX/XX/2018 the loan assumption got approved and my partner XXXX XXXX should be removed from the loan # XXXX from Nations Direct Mortgage. I call on XXXX to find out when the new bill under my name of XXXX XXXX XXXX XXXX will arrive, but XXXX XXXX, she told me I had to wait until the mortgage get recorder onto the Credit bureaus report which happen every XX/XX/XXXX of each month, that is mean they will update my information on the XX/XX/XXXX so it will recorder as a new loan owner, but did not happened, I call again to find out on XX/XX/XXXX and again XXXX told me it is missing documents so she can not summited to the credit bureaus and I have to submitted the Home insurance policy again and after she received she told me that I have to wait another month that is mean XXXX no later than XX/XX/XXXX so Direct mortgage can update all my information in their system. I been call several many time and no answer I received anybody avoid my call or does not want to answer why is taking so long to transfer my name to the loan. I am victim of discrimination and power abuse for part of the Nations direct mortgage located XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , IL , XXXX telephone XXXX because even do the Underwriting and the Direct Mortgage approved the loan on XX/XX/2018 I still paying my house and no Manager, no supervisor, no customer services return my call and I don't know what happened until now, why they are delaying to change the loan to my name,
XX/XX/2017 I had called about my student loan payments inquiring why they were taking {$79.00} one day of the month and XXXX $ another day. I was discussing with them my financial situation ( in terms of I want a one month payment possibly lower than the {$180.00} ) and the " loan professional '' suggested income drive based payment plan, which honestly sounded good since I was paying {$180.00} a month and I had recently lost my job. So they explained its based off the income NEVER that I was going to pay NOTHING towards my principal for almost a year. I am beyond myself, how could they not tell you " hey by the way you are only going to be paying interest are you sure you want to do this? '' I opted for auto debit therefore not looking at the breakdown until I did my taxes this year. I don't understand how they can suggest something like this when they are supposed to be helping my debt situation not making it worse. I requested a lower interest rate considering I wasted almost a year at paying interest only ( not even XXXX $ towards the principal ). How is that even a thing? I should have known better they these people are snakes but they do not teach you this stuff in high school, which is sad because hard working people like me get taken advantage of. Super frustrating and honestly sad.
The servicing of my home mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage Services, LLC ( effective XXXX/XXXX/15 ) and their website is reflecting the incorrect payment amount. My monthly payment ( inclusive of taxes, insurance, and PMI ) totals {$3500.00}. However, the only amount that their website will allow me to is {$3900.00} ( which includes late fees ). That is not the correct minimum amount due and, as a result of their error, I am unable to make minimum payment due. I need this resolved ASAP so I can make my payment on time. Their website needs to be updated with the correct minimum amount due ( not including fees ) since its not allowing me to pay any other amount except {$3900.00}. 

Additionally, I still have yet to receive any correspondence from their institution. I had to call in and wait on hold for 20+ minutes just to obtain my loan number. Then when I called back to address the issue with the wrong payment amount, their wait time exceeded 20+ minutes and it would automatically drop the call without allowing you the options to hold. This is becoming a huge nightmare just because they ca n't get their records straight. 

O know the CFPB has implemented very specific regulations for servicers to abide by pertaining to Servicing Transfers and this company is certainly not in compliance! I need help!!!!
A copy of credit reports were received in XXXX 2015. I noticed an inquiry made by XXXX Mortgage. After several attempts with disputing, we were told that the actual creditor was Veteran United Home Loans. I then contacted the company to dispute the inquiry. The initial representative stated permission, to pull my credit, was given by my husband. I then replied no XXXX other than myself can give a creditor permission to access my credit file. I asked for a supervisor, but I was transferred to XXXX and explained my issue. He stated that he could not help me. 
A few days later I received correspondence in the mail dated XXXX XXXX, 2015 accompanied by a letter of denial for credit dated XXXX XXXX, 2015. I called again and requested to speak to a supervisor. The representative took a message and I was later contacted by XXXX XXXX ( XXXX ext XXXX ) Director of Customer Relations on XXXX XXXX, 2015. I explained my issue again and described the documents mailed to me. He also stated that there was nothing he could do. I was told by XXXX XXXX that by law they could pull my credit report, if permission is granted by my spouse. I disagreed, told them their actions were unethical, and again stated I gave no XXXX permission to access my credit file. I informed him of the statement on my husband 's credit report which specifically says to call before extending credit. XXXX XXXX stated there was no such statement on the report. I asked if the calls were recorded? I was told by XXXX XXXX no, because they talk to people in all XXXX states and to repeat a statement letting people know they are being recorded would take too much time. Also, said that recording, in some states, is against the law. XXXX XXXX offered to send a copy of the credit report. When I received the documents I reviewed them and on page XXXX of XXXX towards the bottom of the page is my husband 's statement to contact him. Certain steps are put in place as a measure to prevent fraud and identity theft. This company and representative chose to overlook the statement. 

I repeatedly requested for the entry to be removed without any resolution.
I authorized a credit card purchase of {$500.00} through XXXX using my BarClayCard on XXXX XXXX, 2015. I now see that they charged me interest and a cash advance fee for the purchase. This was not a cash advance fee. I believe that because I am using their special promotion of 0 % interest for 2 years, they are trying to get some kind of money out of me. I did not authorize a cash advance on my card and nor would I. They told me I needed to speak to XXXX, which I did on a XXXX call with Barclaycard. XXXX clearly stated that they charged my card as a credit, not cash advance. I believe they should refund my almost {$50.00} worth of fees for this transaction as they can not produce a disclosure stating I would be charged a cash advance fee for this transaction.
I was refunded XXXX XXXX dollars from security deposit from an apartment complex. The check was written off BB & T. I went in there to cash the check and they refused to cash it because I didn't have an account. I wasn't the maker of the check. Instead, I was the payee. I'm not sure if I was supposed to have an account with them, since the Apartment Unit name and full address was on there. I ended up having to cash it with my Bank. I am complaining because I have had similar experiences with BB & T. They won't cash any type of check and in this case one with their information pre-printed on there. I'm not even sure if the teller looked the info up to see if the client was in their database. I live in a county where there are at least 3 BB & T banks.
I have a car loan with XXXX XXXX since XXXX XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XXXX XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a Reaffirmation Agreement. I negotiated with their Lawyer 's and received a lower interest rate and lower monthly payment. The Bankruptcy was XXXX XXXX XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XXXX XXXX time frame with the last dispute in XXXX XXXX. Since this car loan has been paid, on time, since XXXX XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a Experian representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with XXXX  and XXXX  and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.
I have owned my home for nearly 20 years. I am facing a foreclosure sale because my mortgage lender, Nationstar refuses to review my financial information and put any options on the table. Nationstar has stated to us that even though they received XXXX in government bailout funds that they are not obligated to participate, and that the investor on our particular loan does not offer any type of modification or retention options. This despite the fact that my wife and I earn a solid living and clearly fit into guidelines for government programs. This is a situation that could be fixed, but Nationstar will not assign a single point of contact, will not even look or consider ANY type of retention programs. I understand that possibly the investor has rules but it is common sense to try and FIX the problem when we have clearly demonstrated the ability to pay. 

We tried to talk to them about other options for retention outside of modification ( recapitalizing the late payments, repayment plan, etc. ) but they would not even CONSIDER this. I must say that I believe that this may have been racially motivated. My wife and I are XXXX XXXX and we were misled from the time we were talked into this bad adjustable rate loan ( starts at 7.5 % and can adjust as high as 14.5 % ) and then when we struggle we are told we ca n't even be CONSIDERED for a government program that we know our lender participates in. The agents who said they would help us and work with us soon became condescending and rude and then simply ignored us. This is not acceptable. I make a solid income through my social administration work. My wife is gainfully employed as well. We are not asking for a handout, just a fair shake. Nationstar has not given us one. We clearly fit into guidelines for help and this is an avoidable foreclosure. This situation is bad for our family, for our neighbors, for Pennsylvania and for our government that used taxpayer money to give Nationstar XXXX to help struggling homeowners!!!
Received two calls from Reliant Capital Solutions - I called today XX/XX/17 to see what this issue was about. My name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX. When I called the " gentleman '' back at XXXX XXXX he told me it was an old debit from XXXX University . Told him I believe the amount they have is incorrect and as soon as he submits a debit letter to me I will review it and get back to him in writing on how to resolve this problem. He immediately started with tactics about where I work and threatened my assets - For the record I was not stating I did not or was not will to workout something for this debit, but he was right away threatening and she started to use tactics that I know are illegal. I did tell him I only wanted to contact him my written communication. I thanked him for his time and hung up. I do not like being bullied, especially since I took the time to try and resolve this in a peaceful manner.
I have disputed a late payment on my credit report with XXXX XXXX XXXX XXXX stating that payment was late in XX/XX/XXXX. I submitted supporting paperwork from the XXXX County office of XXXX XXXX XXXX Support  Obligation Summary showing that the payment history shows the payment was made at that time and taken out of my paycheck from XXXX XXXX. They refuse to remove the negative strike from my credit report. I have called on XX/XX/XXXX to XXXX XXXX XXXX XXXX and they are of no help pointing me to go back to Experian and dispute the mark
I deposited a check for {$1700.00} from my employer and my Chase bank is too slow to release the fund. I was told that it will take next month to be cleared. THis is too slow for an employee who lives paycheck to paycheck. With the new laws that enacted that allows electronic copy of checks for easier and faster transaction, how come it will take that long still ( more than a week or so )? I called the loss and prevention department and talked to XXXX ( customer representative ) and even though the funds were already taken out from my employer 's bank account it is still not being released by Chase Bank. Please help.
I have a Certificate of Deposit with PNC Bank. On XXXX XXXX, I sent a notarized letter requesting this account be closed. I have received no communication from the bank, but after calling their helpdesk, I received confirmation that the account had been closed. 

It was claimed that a check was sent to me, though I did not receive it. On XXXX XXXX they claimed that they would resend the check. I did not receive that check either. On XXXX XXXX I called and complained again, and they said they would resend the check overnight. It 's XXXX XXXX and the check still has not arrived.
Made a $ XXXX+ payment on my line of credit ( LOC ) via a direct ACH transfer from one financial institution to Wells Fargo ( WF ) on XXXX XXXX. The funds came out of my account at the sending financial institution on XXXX XXXX. Wells Fargo credited the payment to my account ; however, seven days later the LOC is still holding that $ XXXX+ as unavailable. 

I called Wells Fargo to have the hold removed. Was advised that because of the high dollar amount, a 14 days hold was put on the account. Yet there was a way for the hold to be removed : if I have the sending financial institution send a confirmation of the funds being sent on its letterhead, WF would remove the hold within an hour. 

This solution does not sit well with me as it puts the burden on the customer - me - to facilitate communication between the XXXX financial institutions. Why do we in the USA have a banking system with clearinghouse capabilities if the customer is being asked to handle such functions. I feel that WF should have reached out to the other financial institution if confirmation was required. [ It should be noted that the WF customer service associated confirmed that WF had received the funds. ] Also, why hold the LOC for 14 days if the hold could be removed within an hour with such communication? 

As of today, the LOC still has a hold.
I was contacted by ERC to collect a debt for XXXX. I notified them that the amount that they were collecting was not what I owed. I agreed to pay a reduced amount so that this would not go on my credit report. Not only did they put it on my XXXX report after I paid, they are reporting that I owe a large amount of money. I have sent multiple certified letters to ERC concerning the information that they are reporting and I have documentation of each letter. I have asked them to verify the information that they are reporting and they have never responded. I know that they do not have the ability to verify the information because it is incorrect. Under the law I have the right to request verification for information being reported and I have not received anything from them within the specified time limits. Therefore, they are required by law to remove the information. I would like for this company to no longer contact me and to remove any and all false information from my XXXX  report.