WillisBack/dataset-financial-user-claim huggingface dataset:
After my divorce in XXXX I purchased a house for approximately {$450000.00}. As a single mom with no child support or alimony, I was soon unable to make my monthly payments. I ultimately deeded the house in lieu of foreclosure to Nationstar during XXXX, XXXX. At that time the mortgage was {$340000.00}. I received a XXXX in XXXX, XXXX for the XXXX tax year indicating that the fair market value of the property was {$360000.00}. The Commonwealth of Massachusetts considers cacelled debt as income. Even though I gave Nationstar my home in exchange for cancelling the mortgaged, I 'm being taxed on {$340000.00} as income, and have to come up with over {$18000.00}. I am a single mom with XXXX kids in college and rent my home. I 've called Nationstar approximately 7 times during the past 3 weeks, and have emailed them. I 've asked them, in accordance with my accountant 's recommendation, to issue a corrected XXXX. They do not respond to my messages. This is an enormous financial burden and causing terrible XXXX for me and my children. I 'm concerned about Nationstar 's apparent disregard for this situation.
I continue to receive repeatedly phone calls a day from these credit card companies below JP MORGAN CHASE CALLED XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX )
I have attempted to dispute a transaction because the transaction was submitted without my signature or authorization. However, I am getting the run-a-round.
Almost {$600.00} of my financial aid was taken from someone in a foreign country and the bank keeps telling me they will send me a dispute form to fill out but I never received it. They then told me to fax them but claim that they never received it. It 's been over two weeks and I have n't gotten an update or anything.
Portfolio Recovery calls regularly from different numbers. Last night they called from XXXX. I answered and no response on the other end. I have no debts. I pay credit cards within 30 days by auto-pay from my bank. I have no mortgage. Portfolio Recovery should send me written validation of any claim they think they have and stop harassing me on the telephone. 

If they come back and say they ca n't do anything because they do n't know what my phone number is, that is a sham. Your instructions say not to include contact information in this field. Separately you have my name and address.
Out of nowhere this company called XXXX XXXX XXXX put a collection on my account for {$640.00}. I started to get calls at all hours of the day and night. I had to shut my phone off at work because they kept calling. I have an XXXX XXXX XXXX in school and its been snowing very hard in Michigan. I have to keep my phone on and I couldn't even do that because I was getting into trouble for XXXX XXXX XXXX calling non stop harassing me. I asked for proof of this debt because I didn't know what it was for or where it came from. I know what debt I have or don't have and this is not my account. They never provided me with proof that this is my account. They told me they would arrest me and sue me if I didn't pay and that my credit report was not going to be fixed even though I filed a dispute against them. They called people I know and started asking them personal questions about me interrogating them and making them feel uncomfortable which is illegal. This company has a reputation for being dirty. How is it legal or right for random companies and people from all over the country to use some XXXX number to ruin our life and harass all members of your family? How is it legal for all this hacking and access to peoples information to happen to a point where people 's credit and life 's are put on hold outside their control for collections they know aren't their debt. Its illegal and its wrong..
I filed complaint # XXXX with CFPB regarding my HELOC serviced by XXXX XXXX XXXX They acquired the loan from Bank of America and serviced it for almost ten years The loan is resetting to a payment just about double my current my payment which I can barely afford now.
XXXX never reached out to me as recommend by the OCC, about a loan modification I may be eligible for. They knew the hardship I was going through, XXXX and on fixed income at 1/2 my salary when I took out the loan I am awaiting a response to my complaint when I received a letter from XXXX that they gave my loan back to Bank of America. This transfer should not cancel my current CFPB complaint but going forward the new lender should now respond to CFPB as to why my loan modification never happened or is under immediate consideration as this has been going on long time Either way Bank of America is now responsible and I need to know why I have been so mistreated by these lenders. I am struggling to make payments, borrowing from others.
My husband and I were out of state for a XXXX and were late on a payment to XXXX credit card services.We paid the late charge plus the account in full. Then we receive a bill for XXXX XXXX, 2015 but XXXX has added a {$2.00} interest fee. When I spoke to them, they said they would charge interest for XXXX subsequent account statements despite the bill plus late fee being paid immediately. How can they charge interest when it was paid off already? We have cut up our XXXX. credit cards.
This is a follow-up complaint to  Case   #   XXXX  and  Case  #  XXXX . Case #  XXXX  was resolved by processing my REPAYE recertification which was properly submitted after receiving an e-mail from FedLoan Servicing asking me to recertify.  <P/>  Case  #  XXXX  was not resolved as FedLoan Servicing falsely stated that they would not capitalize the accrued interest into my principal balance. For some reason, FedLoan Servicing fixed the REPAYE recertification issue by placing my account into an administrative forbearance and then capitalizing all accrued interest into my principal balance. As of XX/XX/XXXX   , my principal balances were : {$240000.00} for  XXXX  and {$56000.00} for  XXXX . I was not aware the accrued interest would capitalize as I submitted my REPAYE certification when FedLoan Servicing requested and my account was placed into forbearance due to FedLoan Servicing 's error. After the administrative forbearance ended, my principal balances changed to : {$250000.00} for  XXXX  and {$58000.00} for  XXXX . This is a $  XXXX  financial penalty placed on me.
Saturday XXXXSerious and major complaint. Previous complaints addressed harassing phone calls. You stated that no more phone calls. I was awaken at XXXX Hawaii Standard Time by a phone call from your representative. Message from Representative XXXX XXXX, to call her at XXXX XXXX. 
Please answer the following questions to include unresponsive answers to previous complaints. 
1-Is this a harassing phone call. Simply answer Yes or No and what is going to be done to stop harassing phone calls. What is the violation and civil penalty if this occurs again? 
2-You all keep changing enterprise representatives on me. Please respond with name of representative to contact by email. Your phone calls are not resolving our issues and my complaints. I previously ask for email address for Representative XXXX XXXX to resolve our issues and complaints. You all have be non-compliant. Please email me his email address. If not, please explain why I can not get his email address to resolve all issues and complaints. 
3-I ask for the mailing address to mail XXXX form to receive {$500.00} signing incentive for partial claim. Please respond with mailing address to include attention what department. 
What if any is the money incentive to re-sign modification documents? Yes or No. If so how much? 
4-You responded that I am not required to re-sign loan modification documents. You also stated that my modification terms will still remain in effect. You further stated by not re-signing loan modification, it may cause difficulties in the future if I attempt to modify, refinance or the sell the property. 
Please be specific, not general terms as stated above, what difficulties I am going to encounter if I attempt to modify, refinance or sell the property. Please explain fully. 
5-You mentioned previously about recordation of modification. My questions to this still have not been answered. Where is modification recorded at. Name of agency where recordation is being done. Exactly what is being recorded? Who is doing recordation? Phone number to call to check on recordation. 
6-If you all address and answer my questions and concerns, then we can finally resolve all issues. It is up to you all to finally resolve all issues. Simply answer my questions and concernsThank you-XXXX XXXX
I have a credit card with Capital One and have made the monthly minimum payment required according to the mobile application on my phone. XX/XX/XXXX I made a payment of {$70.00}, which the app reflected a minimum of roughly {$60.00} due. My credit was reported as 30 days late for the month of XX/XX/XXXX immediately after payment was processed on XX/XX/XXXX. I spoke with customer service on XX/XX/XXXX and was told it was 3 days late, not 30. They filed a dispute for me then. 

I spoke with Capital One again today and they told me I was {$3.00} behind for XXXX 's payment, not XXXX. I was told what their system saw vs what I can see on my mobile app ( I do not use paper billing ) differs and that 's where the problems lies. If I was {$3.00} behind for XXXX, then the app should have told me minimum payment due then was {$28.00}, not {$25.00}. Also the next month 's minimum payment amount should have included an additional {$3.00}. 

Where I 'm confused at is if the mobile app tells me that minimum due then ( XX/XX/XXXX ) was roughly {$60.00} then my {$70.00} payment should have covered it all. Also why report XX/XX/XXXXlate if the {$3.00} past due was owed for XXXX? 

I only made during the month of XXXX what the minimum payment posted in my mobile app told me. I have never had a late payment with this company and I hold XXXX separate credit cards with them. Some months I 've even made payments twice. 

I took a 70+ point decrease with this mistake. Capital One has told me 3 different things by 3 different people.
Was offered a {$250.00} statement credit if applying for Chase Freedom card. Only got {$150.00} bank says they cant find offer.. It appeared on their site when I was logging into my existing Chase accounts
Redress Admin contacted me by US mail on XXXX/XXXX/16 XXXX : Paymap Inc, Consent Order XXXX File No. XXXX stating I had not cashed the check they had issued to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX It stated that if I wished to have a new check issued I should make this request before XXXX/XXXX/16. 
I called the phone # listed on the letter & was sent to a different organization. At some point a Supervisor named XXXX confirmed I was due a refund ( Claim # XXXX XXXX XXXX ). 
I submitted my request for a new check on XXXX/XXXX/16 to the email listed on the letter ( XXXXXXXXXXXX ). I received an email on XXXX/XXXX/16 thanking me for my email. I received another email on XXXX/XXXX/16 stating, " You should receive your new check in 4-6 weeks. '' I received another email on XXXX/XXXX/16 stating, " Just wanted to let you know, that yes your reissue request was received before XXXX/XXXX/16 ''. Then I waited. 
Since no check arrived, I sent an email inquiring as to the status of the check on XXXX/XXXX/16 to the same email address. To this email I received no response. 
I followed up this morning w/ phone calls & an email to XXXX XXXX & included a faxed copy of my issue to CFPB. 
In the last hour I received a response from the XXXX XXXX stating the email box was no longer being monitored. I called the phone number listed for XXXX XXXX & they stated since I had copied by fax the issue to CFPB this morning then they could n't discuss it further & that I should work thru CFPB for a resolution. 
I just called CFPB & discussed my issue w/ a Representative & was told that CFPB was helpless to my problem because it was the third party XXXX XXXX & not the original company. 
When I asked this CFPB Rep what I should do he suggested I continue make my request thru the XXXX. 
How do I get this company to issue me the refund check they have both acknowledged that they owe me & acknowledged that I have submitted my claim on time?
Portfolio Recovery Assiciates, LLC and XXXX have and are in violation FDCPA, FRCA and 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93.
I am livid of the way Wells Fargo is making it seem that I was aware of the final Balloon payment. In my contract is does not say I will be paying a balloon of {$39000.00}. It only indicates I will pay a balloon equal to the unpaid principal. However ; it does n't come is writing $ XXXX.The Agent that approved my loan was not honest, he never mention the me the final balloon that I will need to pay at the end. This is why Wells Fargo got sued in the pass because Wells Fargo was approving this type of loan. I am going to involve my Attorney General. For the fraudulent and deceptive practices committed.
Sent letters to Transunion complaining of credit inquires I did not authorize, transunion did absolutely nothing. They have had many credit breaches in there system and refused to remove the inquires. Then on XX/XX/2019 I complained about my score being reported wrong from XXXX  and 2 days later they dropped my score 15points. My scores on XXXX  and XXXX went up over 30 points. Please look into this matter.
on XX/XX/XXXX. i was reviewing my credit rating ( XXXX ) on XXXX XXXX.i saw the add for loans at reasonable rates. i can not remember if i applied on line or by phone. i received a loan packet 3 days later, with loan documents that were routine, asking personal info, and loan amount requested. i faxed the app to a office in indiana. they returned questions to me over about 7 days, and after i faxed the completed questions to indiana i was told by a phone call i was approved, but had to speak to a loan officer. i spoke to the loan officer, and he told me i was approved for {$3800.00} and not {$5500.00}. he also told me i would pay payments of {$170.00} per month, and the months were not discussed, and the interest would be 25 %, is what i heard, but over the phone, was not the rate! it was 35 %, of which i would find out later and would have refused! also the loan officer asked if i would do auto payments, to which i said ok. the money was deposited in my account on XX/XX/XXXX.since that date i have requested the loan papers, and later found out the interest rate at 35 %, and since then i have call one main, and spoke to many people for help. i have been told that they will not change the rate, but was told to pay off the loan to fix the issue, among many other suggestions. i did receive the loan papers after many calls to them on XX/XX/XXXX,1 1/2 months after the loan was given. i have a problem with the disclosure of the loan! they were not upfront with the info of the loan, and didnt want me to have it! because i was persistent, i finally receive the documents! i have no issue with paying back the money, but the interest is almost as much as the loan! this to me is predatory, and not fair. thank you XXXX XXXX
To Whom it may concern : I have spent the year trying to fix the inaccurate, incomplete, and unverifiable errors within my account from XXXX. I have called them and told them personal to fix the issue but has not. I have recently send them mails asking to fix the issue. Still no change. The credit bureaus must obey many laws, including the fair credit reporting act ( FCRA ). And according to the FCRA, an item on your report MUST be removed if it is any of the following : I am writing this so XXXX, XXXX, TransUnion can update/correct my personal information on file with their company. 

Please updated my address to : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please updated my name to : XXXX XXXX My only social security number is : XXXX My only and corrects date of birth is : XX/XX/XXXX My only employer is : XXXX  XXXX  I do not wish to have any telephone number on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA since they are inaccurate.

Due to this issue of inaccurate information within my account from XXXX  : It has damaged my personal credit score. Accumulated hard inquiries due to inaccurate account info from XXXX. Has provided the wrong name to banks, companies, lenders, when applying for credit.This issue has wasted so much of my time and has effect my business to move forward. Lost time is never found. 

Also while checking my most recent report, i noticed credit inquires that i did not authorized, made by the following companies ; and they were also provided inaccurate, incomplete, and unverifiable information from XXXX when checking my credit.

Company and Inquiry date 1.XXXX/XXXX  & XX/XX/XXXX.

2.XXXX/XXXX & XX/XX/XXXX 3.XXXX XXXX XXXX & XX/XX/XXXX 4.XXXX XXXX & XX/XX/XXXX 5.XXXX XXXX & XX/XX/XXXX 6.XXXX XXXX & XX/XX/XXXX 7.XXXX & XX/XX/XXXX I did not authorized anyone employed by the these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 161b and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authoring an inquiry. In the absence of any such documentation bearing my signature, i formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. 

My contact information is as follows : XXXX XXXX email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX
3rd Complaint regarding this matter! 
On XX/XX/18, I had my bank send a wire transfer to The XXXX XXXX, XXXX, TX, at the request of a friend of mine. She gave me the account number of a person she knew at the business who was to handle the transfer for her since she would be out of the country when the wire was transferred. The person whose account the transfer went to, is holding the funds in the XXXX XXXX account, and will not release it. He has held it for over 3 months. It is {$53000.00}. I am the owner of these funds, not the person at The XXXX XXXX. Chase Bank has investigated twice at your request, but say they can't release the money to me unless my bank issues a recall. My bank has issued numerous complaints, but Chase never releases my funds. This is a huge amount of money, and it belongs to me. Chase needs to release the funds when my bank issues a recall, yet they never do. The person at the XXXX XXXX is holding funds that he knows does not belong to him. Chase needs to release my funds me to resolve this matter. They need to have SOMEONE who can release my funds to do so. This is going into a new year now, and I am still out my funds. I no longer want the friend who told me where to wire the money to receive the funds. Please if Chase can not release the money to me being fully aware of the situation, how do you suggest I move my complaint further? I am not satisfied with their lack of interest in solving my problem with them. All they have told me to do is have my bank issue a recall. My bank is hesitant to continue issuing recalls when nothing is done by Chase to solve this problem. The person holding the funds is being fraudulent because he knows he is not the intended recipient. Chase case # XXXX. Beneficiary account # XXXX XXXX The XXXX  XXXXl XXXX XXXX XXXX XXXX, XXXX TX XXXX Should be refunded to : XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Hi, On the XXXX/XXXX/16, I hired a Xoom Money Transfer to take care of a international money transaction. here is what happened ; I loged in the Xoom Web Site and requested the money be deposited in the savings account to a person in XXXX ( PS : the savings and checking account are the same number but when making the deposit there is a option where you want the money, saving or checking ) and they made the deposit in a checking account. The person that was expecting the money called me right away when he got the message on his cell phone saying the money was in his checking account, immediately I got in touch with the Xoom Money Transfer saying the money was deposited in a wrong account ( checking account and not to the saving account as requested ) and they told me not worry about it because they was going to refund the money. The reason I request the saving account was because the person in XXXX owes money to the bank and he cant do any transaction with the checking acccount until he resolve the situation. A day after, the Xoom Customer Service asked me to provide an bank statement to prove the checking and saving account are the same number, traying to justify the error ( that sounded as something is wrong ) but again, the customer service attendent said not to worry about it, and another day is gone. Today XXXX/XXXX/16, after 2 days on the phone, basically all day long, they told me that probably their partner made a mistake, the transaction was to checking account and not to savings account and asked me to appolagize them but they could not do anyting. I got so up because I made businnes with Xoom Money Trasfer and not with their partner and also because I called them immediately after the person noticed the money was in wrong account and they could had the transaction cancelled in the same day. Now I m having hard time with the person in XXXX, he is asking me to make a new transfer. Ps. The Xoom Money Transfer customer attendent confirmed that my request was to make the money transfer to a savings account and them I asked for a copy of conversation records but they said is not allowed to provide the records. All I want is to ghet the money in the account that was required in firt time. I cant be responsible for somebody elses mistake. Thanks
We sustained loss due to ice storm. Insurance pd {$14000.00} which check we signed and Priority mailed to PennyMac on XXXX XXXX, 2015 yet I had to beg for release of monies. I have spent over {$9000.00} in repairs and have only received from PennyMac {$4800.00} on XX/XX/2015. - I have repeatedly asked for more and sent receipts to loss draft dept. They then demanded an inspection at my added cost of {$40.00}, which was completed on XX/XX/2015 and declared at least 70 % repaired. Yet my requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus emails to loss draft have yielded no information on when or how much they will release next. How am I supposed to repair with no money? I paid for insurance and PennyMac is withholding my funds. On XXXX at XXXX pm I received a voice mail from XXXX at PennyMac saying I should receive a check on XXXX XXXX from XXXX. No amount specified. Really! It will probably be only another {$4800.00}. instead of the total. This is totally unacceptable. I have contractors who want XXXX up front and I have no money at all. I want all my funds released so I can finish the repairs. My husband and I are on XXXX and a XXXX. We have not had a kitchen in XXXX weeks and I ca n't pay contractors with no money from bank. There are additional code enforcements required from the Town building dept and I have to pay for those repairs before I can be reinbursed on a supplemental claim from insurance company and I forsee this saga lasting months from now. This is not right. The roof leaks but the roofer wants XXXX of the {$7400.00} to repair up front. This just goes on and on. We applied for a loan to speed up the fix and were denied. I have sent the bank all receipts for our out of pocket over {$9000.00} paid so far, yet they wo n't release our insurance money.