WillisBack/dataset-financial-user-claim huggingface dataset:
I modified my mortgage with Bank of America in XXXX XXXX. I have paid my mortgage on time each month since that time. XX/XX/XXXX I receive a package from Bank of America stating that some of the documents from my modification contained errors that prevented them from recording the modification with the county. Included in the package were XXXX separate sections needing signatures : The Loan Modification Agreement, the Amended and Restated Note, and a third signature page with the words, " Page XXXX of XXXX, '' on the bottom, missing any accompanying page XXXX for that particular page. It is a different font and format to either of the other sections, so it clearly is a separate section. 
The package offered a {$500.00} compensation for my inconvenience and offered to send a notary to our home at no cost. 
We ignored the first XXXX sets of paperwork but by the XXXX set we began questioning it. We brought it to an attorney who advised us not to sign it for at least XXXX reasons : the amended and restated note changes the terms of the original modification by adding an entire section titled Grounds for Acceleration of Debt ; and because of the section that includes a page XXXX without the accompanying page XXXX. This is not erroneous, as the packets came with this signature page and no page XXXX in each of the XXXX packets. 
When I called to inquire about these concerns, I was told that the page XXXX was a printing error, and that it was simply a continuation of the page XXXX of the Loan Modification Agreement but that both would still need to be signed. As I noted before, the font and format of these pages are completely different and thus the mortgage company lied to me and is deliberately hiding something from me. They are trying to pressure me into signing this page with false information. With regard to my concern about the additional terms that change the original modification I agreed to, they simply said it had to be signed or the modification would not be recorded and I would have issues when trying to sell the property. 
I am trying to put the property on the market and need this resolved before we find a buyer, otherwise Bank of America 's mistakes will cost me a lot of money. This entire situation is suspicious due to the fact that six years have passed since the final paperwork was signed but only now they 're trying to fix whatever mistake they really made. I need answers and I believe Bank of America 's actions are unethical at best and criminal and fraudulent at worst. 
I have included XXXX sets of documents ; the XXXX is the packet we received XX/XX/XXXX and the XXXX is the original documents from our modification. I have additional documentation if needed.
I traded my car XX/XX/2017. the dealership paid off loan but short payed XXXX. I contacted dealership and they are going to pay remaining balance some how it was paid off after the 20 day pay off. The finace company has called me 6 and 7 times a day for 2 weeks. I explained to them what happened and that the dealership was going to take care of remaining balance. Now they have starteded calling me at work ...
Transunion, XXXX and XXXX has not corrected my Credit File to  reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX   Balanced Owed. My Credit ScorXXXX has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX
I borrowed {$2700.00} on a title loan from Wilshire Consumer Credit XX/XX/XXXX, and added an additional {$500.00} XX/XX/XXXX for a total of {$3200.00}. I 've been making {$200.00} payments throughout. I 'm approaching {$6000.00} now and my balance is still over {$3000.00}. I 've recently learned that Wilshire was found guilty of unfair and illegal loan practices. I knew something was wrong with their practices but thought I was just stuck. I would very much appreciate your help in this regard.
Recently I closed my checking account with U.S Bank. I have only kept my credit card open. Before closing my checking account, I had XXXX accounts open, a checking account, a savings account, a line of credit ( that I was able to use if I ever needed and whenever I had insufficient funds in my checking account ), and the credit card, which is still open. Last week, I received a letter from U.S bank saying that a transaction of {$87.00} had been debited from my closed checking account. I went to the nearest U.S Bank account and they refused to explain to me why this was happening. They just told me that if I did n't pay the amount that I would be sent to collection for this amount.
Ocwen Loan Servicing LLC has refused to release my property title despite the fact that I have made all the payments outlined by the Promissory Note. I have made several attempts to resolve this matter with Ocwen and all I have received is inconsistent information. The last time I spoke with A Consumer Account Analyst, XXXX XXXX XXXX XXXX who pointed out to me that Ocwen is using a different method to calculate the interest and apply the payments made than what is included in the initial agreement as specified by the Promissory Note. She indicated that she would speak with her supervisors/managers with the goal of resolving this matter but we have since only received a letter threatening us with foreclosure. 
The loan we took out against this property originated with The XXXX/Consumer Finance XXXX XXXX we made the XXXX payments as outlined by the Promissory Note and expected to get our title but this has been held by Ocwen and they have not been willing to outline clearly the rationale for the amount they are alleging we owe. 
We desperately need your help. We can not afford to get an attorney at this time because of our employment status. If there is a ligitimate basis for some amount owing all we are asking Ocwen to do is to point it out to us so we can understand and we will honor our obligation as we have been doing since our XXXX payment XX/XX/XXXX through XX/XX/XXXX 
Please help us, we do not want to loose our home that we have worked so hard to finally pay off.
I have a collection from Kings Credit Service Account number XXXX balance is showing {$27000.00} on XXXX and {$460.00} on XXXX and not reporting on XXXX. can you help me out please. can you remove this account from credit report. 
Thank you XXXX.
My account with American Express Serve has been locked and is " going to be closed ''. I called to inquire on the issue and they say that one of the transfers made to my account was fraudulent, I ask why they will be closing the account because one transfer was reported as fraudulent and they just say " because of our terms of service '', so I go on and ask how they will be returning my remaining funds to me and they say that all of my funds will be returned where they came from. My account was funded by account transfers from other people and they want to return the funds to those accounts even if they where NOT fraudulent in nature. The account transfers where made as payment to me and none of them where fraudulent in nature to my knowledge, even if one where they are saying that ALL of them will be returned even ones that are not reported as fraudulent.
XX/XX/XXXX XXXX XXXX responded to my complaint to your agency ref # XXXX they stated the account was closed and returned to XXXX and that they had instructed the credit bureaus to remove the account from my credit report. 
I just received updated reports today XX/XX/XXXX showing Convergent verified this account on XX/XX/XXXX after they stated it would be removed. they are now in violation of the FCRA as well as FDCPA
For the past six weeks I have been receiving daily automated calls from " The Law Offices of Maury Cobb, a debt collection .... ''. The calls are coming in from multiple local phone numbers in spite of the fact they are located in Alabama. The calls also do not ask for anyone by name ; only that their call is returned to XXXX. I do not have any debt, whatsoever, that is in collection, therefore do not find any reason to " return '' their call. 

Upon further research into this individual/organization, I have found overwhelming information that leads me to believe this is purely a scam if not outright fraud by an individual that has purchased some very old debt, often times debt that was discharged in bankruptcy or long past being collectible under the Fair Debt & Collection Practices guidelines. I also find these phone calls odd as I have never received anything in writing about anything that even resembles outstanding debt.
Freedom mortgage calling every day try to force me to refinance my mortgage Lying to, using deceptive methods.
Yesterday, I went shopping at Gap store. When I checked out, the cashier asked me if I would like to receive an extra XXXX % off. I said yes and she asked me to type my birth date, SSN and annual income. I handed in my state ID and my XXXX credit card to her, and later she told me it 's done. After I received my receipt, I realized that I paid with another card ( gap card ). What a XXXX!? I did n't even know it is a card, even a credit card. How can she do that? Is it like a fraud? I did n't even have that card in hand ( which was not issued yet ) and activate it. 

After this, I did some researches online and I realized that this has already affect my credit score. I am a foreigner and I do n't know much about credit card things yet. I felt that was totally a lie/fraud to me. Now I just want to 1. pay the full bill. 2. Cancel the card without affecting my credit score. 

Thank you very much and hopefully hear from you soon.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX GA XXXX To whom it may concern, We have a mortgage loan with CHASE which is currently in arrears and in a foreclosure status. Weve lived in our house since XX/XX/XXXX and since we had different lenders since the purchased of our home ; XXXX XXXX, Washington Mutual and now CHASE. We had a perfect payment history until XX/XX/XXXX when my mother became ill. We were both grateful to CHASE for approving us for a loan modification. However, other set of circumstances occur and caused us to stay behind on our mortgage payment once again. I contacted CHASE regarding the changes and current situation CHASE representative ( s ) offered to review us for a loan modification for a second time in XX/XX/XXXX. After sending all the require documents I was told that because its been less than a year time frame since we were last approved for a loan modification a 2nd review will be denied, and a foreclosure sale date was placed in our home on XX/XX/XXXX. we were both scared and ran out of options that we had no choice but to file bankruptcy. I am a XXXX XXXX XXXX I assist with XXXX XXXX and my husband is a XXXX XXXX XXXX we dont want to lose our house. We have a foreclose sale date on XX/XX/XXXX and we are not getting any assistance from our mortgage company. CHASE representative said we can re-apply for a loan modification, but it will be after our sale date as the year will pass since last review. We are both hardworking individuals and are financially stable now and are asking that our foreclosure sale date gets postpone and allow us time for CHASE to allow us to pay them what we owe them.
I submitted my IBR ( Income Based Repayment Plan ) Documents electronically to Navient on XX/XX/XXXX via the Studentloans.gov site. On XX/XX/XXXX, Navient confirmed that they did receive my application and as long as my income information was included there was no further action to take on my behalf. I did use the IRS income tool, so everything should be included that is needed on their end. 

As of XX/XX/XXXX, Navient has not even begun to process my IBR claim and they continue to send me statements, delinquency notices. The latest notice I have is dated on XX/XX/XXXX. I have contacted Navient twice so far via email to ask what the status is of my IBR claim and about the Public Service Employee Forgiveness request I made. They responded in regard to the Public Service forgiveness request, but didn't respond in regard to the status of my IBR claim ; they only mentioned that my account is delinquent and I need to submit an IBR request.
I honestly dont think i was the only one affected. Notice its NOT + {$9.00}, its a debit of {$9.00} Wells fargo basically LOST {$9.00} of mine in my CROWN checking account & can not give an answer as to its whereabouts! This has been happening in my bank & im busy just like everyone & have no time to moniter a bank whos reputation is infraction after infraction of fraud. 


Last night at XXXX i deposited a {$100.00} bill in wells fargo crown checking to cover my reacuring mortgage with them of {$1000.00}. 
& That {$100.00} bill deposited shows as pending, yet its cash, its there in the balance. Still WHY pending? 

But below is the main problem.. 

& second my balance before the {$100.00} deposit was. {$1000.00} & after the {$100.00} bill deposit, the balance showed {$1100.00} on the ATM & on the email receipt i received. 

Now this am my crown balance is {$1000.00}?? 

Thats {$9.00} missing & i see no evidence of the {$9.00}. Not in the wells fargo app, not in wells fargo online, no where. 

I just closed the phone after calling wells fargo & they have NO CLUE where my {$9.00} & XXXX there starts insulting my intelligence asking me if made a transaction for {$9.00} & said it could take days to post??? REALLY?? 

wells fargo posts debits IMEDIETLY, i have all documents to proove my complaint is valid. 

Last week the woman at wells fargo said they are having information problems. You can see how little money i have
SOME XXXX XXXX SPELLED MY NAME FROM XXXX TO XXXX I NEED TO GET THAT REMOVED I BELIEVE IT WAS JUST A MISS SPELLING OF MY LAST NAME THANK YOU
My bank card was swiped by someone located in XXXX, Florida on XXXX XXXX, XXXX. I called and reported the unauthorized transaction on the same day. I was told that the transaction would have to be investigated. It is XXXX XXXX, XXXX and I had to call Suntrust Bank for an update regarding the issue because Ive received no communication as to what is going on. I was told that the claim was denied and that I would have to submit proof that I did not make the purchase. I was told that I would have to submit a rebuttal and the process would take another 45 days to investigate. A few months back, I had to file another claim due to an Suntrust ATM issue. The ATM took my money, never provided a receipt and the funds never appeared in my account. I had to wait for an investigation to be completed before receiving the credit. Earlier this summer, I made a cash deposit with an actual Suntrust bank teller at XXXX XXXX. and there was no sign of it posting the next business day. It should have posted immediately. I went back into the location on the following day and was told that the bank teller made a mistake. I provided my deposit slip and the memo/credit was placed in my account. I reported the latter two incidents to the Consumer Financial Protection Bureau.
3 years ago I and my mother in law rented the apartment at XXXX XXXX in XXXX, IL. My mother in law 's health deteorated very much that after 2 weeks of living there she had to move and be closer to her doctors and hospitals. Plus she needed a 24 hr caretaker. We notified the office that we have to move and we ca n't afford to pay $ 1500 monthly rent for XXXX bedroom apartment. After 3 weeks of living there we were released of the lease because of a loss of co-resident due to illness. We returned the keys and apartment was checked and everything looked fine. I asked the manager XXXX 5 times to give me in writing that I do n't owe anything and she said do n't worry you do n't need anything in writing you are free to go. After 3 years has passed she send me to a collection for {$2100.00} without any notice. No phone call, no letter nothing. Yesterday I got the first letter from collection agency. She could have told me from the beginning that I will owe this amount, but no she lied to me. I tried contacting her regarding this and she was rude and incosiderate towards me telling me if I call XXXX more time she will report me for harrasement. Kept hanging up the phone on me. So now my credit score is XXXX points down and I ca n't apply for any credit or loan. By the way I found out I owe this by applying for the loan. I did n't know about this until last month when I applied for a loan and they denied me stating that this amount was posted in XXXX of 2016. I need this amount to be taken out of my credit report since is posted there wrongfully. Please help me and my mother in law XXXX XXXX to get cleared of this debt. Please find the attached copy of the lease and on the second page I highlighted the part where it says that we are released from the lease. Thank you so much. 
Sincerely, XXXX and XXXX XXXX
On XX/XX/18 at XXXX XXXX I deposited {$800.00} cash into a Chase ATM Instead of the cash being deposited into my account the ATM said We Hit A Snag, To be sure your deposit went through please visit one of our branches or call us at XXXX. XXXX. I called the number and they told me that they would have to investigate and would give me a temporary credit for that amount ( which they did ). However almost a month later, the matter has still not been resolved when I call back they tell me that the credit is still temporary I have also emailed asking how long until this investigation lasts and have received no answer on that time frame.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX   XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Hunter Warfield has broken several Fair Debt Collection Practices Act laws. First, they never sent me notification of the debt. I did n't even receive any notices giving me 30 days to respond. They said they did but I never did receive anything. If they did send anything, it needs to be documented via certified receipt.
I filed an identity theft report and also sent them the information because I do not know where this debt came from, and it is indeed identity theft. I sent them the identity theft affidavit, and they failed to acknowledge it as well.
I also asked for verification, and I did not receive anything. I have attached everything that was sent to them certified. Another law they broke was verifying this proof with the credit bureaus after I have requested verification of the debt and filed identity theft. During that time frame, they still verified this debt. CC : XXXX XXXX XXXX XXXX XXXX XXXX Attorney, BBB, FTC
XXXX XXXX, XXXX XXXX Experian XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. 
Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX, XXXX XXXX XXXX acc # XXXX PLEASE REMOVED THIS ADRESS XXXX, XXXX XXXX XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY ADRESS FRAUD The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX, XXXX XXXX
Barclay Card US XXXX XXXX XXXX 's business practices are horrifying. I requested a credit line increase recently and a few hours later was called by a customer service representative to " discuss '' this after being asked several invasive, inappropriate, irrelevant questions, then being lectured on credit use, I was still denied. I was asked questions about accounts that are no longer on my credit report, so he had to have been looking at old notes or something, and he was asking for " reasons '' behind what he described as " situations '', when I told him he snickered, then still denied the increase. I did ask him why it was necessary to ask those questions and he said to see if " the situations changed '', I expressed my opinion that it had nothing to do with the account I was requesting an increase on and he said that was for him to decide, and that he needed to see me be responsible longer and then we could talk about it later ... .as if I was a child. He talked down to me the entire conversation, in fact his tone was combative from the minute I picked up the phone, it was awful and embarrassing. I am not some loser that does n't pay her bills and being treated that way is outrageous!
I was given this pay card from my employer and I hardly used it because the money I was saving it for college. In checking the account recently I noticed charges on the card I called and disputed the charges the alleged to have credited the money back to my account which should have been {$960.00} from my paychecks when I worked at XXXX  and now from what I'm being told someone was using my card for XXXX  rides and I don't use XXXX  or have a XXXX account and so I did yet another dispute and now different reps are telling me different stories and my social isn't pulling up my account thru the automated system. So at this point I just want my money back and I have been advised by my families attorney to do a document only police report so I will be doing that and I will make sure I hold on to all emails between myself between XXXXNetSpend Account # XXXX  XXXX XXXX  Birthdate XX/XX/XXXXLast four of social XXXX