WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017 my home was impacted by Hurricane XXXX and the days following the hurricane I had a loss of income because of no work and I had spent a substantial amount of money preparing for the hurricane. I had exhausted all my money because of the hurricane and just needed some time to recover financially from the disaster. 

The week after the hurricane I contacted my mortgage servicer to receive a temporary mortgage forbearance. I made calls to my mortgage servicer continuously and my request was denied because according to their record I had an open bankruptcy case, which is not accurate because I had already received a discharge several months prior to the hurricane. 

I had my lawyer contact my mortgage servicer to speak with the servicers legal counsel and after several repeated attempts in contacting the mortgage servicer my lawyer was not successful in reaching the correct person or department, every call was routed then re-routed back and forth and nothing was done ... 

Then I personally continued to contact my servicer and my request were denied. The owner/investor of the subject mortgage is XXXX XXXX. I contacted XXXX XXXX and according to XXXX I was supposed to receive the forbearance. 

I have exhausted all my options in trying and do not know how to proceed. My home was in FEMA 's presidentially declared disaster area, specifically XXXX and my mortgage servicer has not cooperated with any type of assistance. I am in fear of the increased fees for non-payment and being foreclosed on.
I sent XXXX XXXX XXXX a letter XX/XX/XXXX requesting validation of an account listed on my credit report. They signed for this letter XX/XX/XXXX at XXXX XXXX. They never responded to my letter. So on XX/XX/XXXX I sent them another letter that they signed for XX/XX/XXXX at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XX/XX/XXXX stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal XX/XX/XXXX and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today XX/XX/XXXX they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau Experian with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period.
A while back, I was thinking about switching from  XXXX   XXXX  to   XXXX   XXXX  . I ordered the   XXXX   XXXX   package but sent it back withi n 3 day s and told them why I sent it back ( I could n't set it up and  XXXX  would not send a technician out to set it up ).  XXXX  even represented that I had every option to cancel within  3  days. That 's exactly what I did. I sent them repeated notes telling them that I owe them nothing because they did n't provide any service and I canceled in time. Since then,  XXXX  has hired  1 debt co llection agency after another, and each time I tell the debt collector that this is a complete fraud. Yet, they persist. As of  XXXX     2017, this is  th e 3rd  debt collection agency attempting to assist  XXXX  in trying to rip me off.
XXXX XXXX is charging me late fees despite my having already made greater than minimum payments. 
On XX/XX/XXXX, I paid my XXXX balance ( including a late fee ) in a store. They wouldn't tell me the balance amount so paid an amount I knew would be greater than it ; I ended up paying {$78.00} more than my balance, therefore I had that amount to spend before owing anything to the account. 
On XX/XX/XXXX I made a {$56.00} purchase. I knew the overage in my account would pay for this. Yet on XX/XX/XXXX I was charged a late payment fee even though I had already paid XXXX this amount months earlier. In XX/XX/XXXX or XX/XX/XXXX, I was able to reach XXXX on the phone and explained that they had charged me an incorrect late fee, that I had paid what I owed months before the fact. I asked what happened to the {$78.00} I had overpaid. The associate said I had been mailed a check in XX/XX/XXXX ( reflected on older state as XX/XX/XXXX Credit balance refund + {$78.00}. ) I said I had never received such a check and that XXXX could not simply post a purchase to my account if I did not actually receive any products of funds. The XXXX people agreed : they refunded the XX/XX/XXXX late fee and they said they would send " another '' check for {$78.00} to account for the {$78.00} purchase they had taken out of my account on XX/XX/XXXX. I asked for a reference number I could refer to if I again received no check and needed to call back. The associate promised I would get a check and would not need to call back and refused to provide a reference number. They said I would receive the check in 6-8 weeks. 
Months later, I had still not received any check. 
On XX/XX/XXXX, I made a purchase at a XXXX store. My next payment due date for the card was XX/XX/XXXX, with {$27.00} minimum payment due. I did not pay this as I had already paid XXXX the {$78.00} on XX/XX/XXXX which they have to this day not applied to any of my purchases nor transferred into any bank accounts I own. On XX/XX/XXXX they charged me a late payment fee of {$27.00}. Of course I did not pay because I was not late, I had already paid enough to cover the minimum payment on XX/XX/XXXX. On XX/XX/XXXX they charged another late payment fee, this time for {$38.00}. Again I did not pay the fee because I had already paid in XX/XX/XXXX and that amount I had paid was more that the minimum payment would have been excluding the phony late fees.
TD Auto Finance has been calling my number ( XXXX XXXX XXXX ) for the entire two years I have had this number. When I was assigned the number I tried to get them to stop calling but was ignored. Since then, they have left nearly a XXXX robocall messages. The number has been on do not call list since 2003.
In XXXX 2017 I noticed a collection account on my credit that was never there before from a company called Portfolio Recovery. I originally disputed the account with the bureaus. however according to the bureaus the company alleged the account is mine so i contacted them. Its been 6 months and i have not received a response from them and i do not know what the debt it for- it was never validated and i was not contacted
I received XXXX charges to my Bank of America business account from XXXX XXXX, which were not made by myself. I contacted XXXX and they said those charges were not on my XXXX account so I would need to contact Bank of America. I called and filed a claim. I called a few days later to check on it only to be told to claim was never filed. I filed a claim again and called a few days later and the representative said my money would be returned within 10 days. I called in 10 days and they said they had rejected my claim because they felt I " did not have a sense of urgency. '' I made them reopen the claim. I called again in a few days only to be told they closed my claim again, and that there was no reason for the rejection noted on my account. I received a bank statement today telling me I owed {$190.00} because the XXXX XXXX charges caused me to receive XXXX overdraft charges. Now, I am being asked to not only pay them for purchases that were not mine, but to also pay a significant penalty for these charges.
Back in XX/XX/2017 I was approved for a loan modification, and shortly after I was approved I lost my job. At that time, I was driving trucks for a local trucking company. In trying to avoid filing for bankruptcy, I have tried to work things out with my mortgage company, and I finally came to the realization that I needed to list the property for sale. 
I have received a good offer from a buyer who is ready and willing to purchase the property, even with the repairs that need to be made to the property. Once I submitted the documentation to the mortgage company, they held onto it for weeks before they came back and said that they did not have enough time to review the file for the short sale. Now, if you ask me they would have had enough time had they not held on to the file for week and not given it to a processor. I am not asking for a handout, I am just asking for the bank to be fair and review the offer. I need your assistance in getting the bank to do what is right, and what is required by the government to assist homeowners when they are in financial trouble and can not afford to pay the mortgage.
We did a modification on our mortgage almost a year ago now & have not been late or missed a payment. We now have a charge on our mortgage statement of {$330.00} XXXX of what they are calling lender paid fees but no explanation of what those fees are for or who exactly they paid. Our mortgage statement shuts that they will not accept another mortgage payment until we pay this fee first. We have tried to contact them, only to be put on eternal hold and were given the option to press 1 for a return phone call, which we did, but still no returned call. I dont see how this is legal for them to access a fee out of the blue with no detailed disclosure of who they paid the fees to or what they are for & now refusing to take our next mortgage payment until we pay it.
The complaint that I have is with SYNCB/WALMAR. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay SYNCB/WALMAR. I have not received anything that I requested and it is still on my credit report from all XXXX of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me
I have tried to both TELEPHONE and sent WTO EMAILS to BB & T " Mt Banker '' concerning the problem on my checking account. 
1. I have scheduled to have my monthly Mortgage payment " sent '' to XXXX XXXX on 2nd day of each month - e.g. XX/XX/XXXX. There is no ePayment available from BB & T to XXXX XXXX and I complained about that to my previous banker who opened my account XX/XX/XXXX. Since the mortgage is due on the 5th day, I used the 2nd day to ensure no late mortgage payments. 
2. I initiated an online transfer of funds from XXXX XXXX to BB & T about XX/XX/XXXX, and received a confirmation that the " Transfer of {$3000.00} was complete '' at XXXX on XX/XX/XXXX. 
3. On XX/XX/XXXX, I received a text message from BB & T that there were two Overdraft Fees of {$36.00} each assessed on my account on XX/XX/XXXX and XX/XX/XXXX. 
I logged into my account and could clearly see the Posted balance each day was {$3500.00} and {$3200.00} and no items had been presented for payment to incur any Overdrafts on XX/XX/XXXX and XX/XX/XXXX. 
I phoned XXXX XXXX, Senior My Banker at BB & T and asked them to please REFUND THESE TWO charges immediately. I have not heard from them, and sent another email showing both the Screen Shots from Saturday XX/XX/XXXX - showing Posted Balance with no overdrafts for items Posted to y account on XX/XX/XXXX nor XX/XX/XXXX. 
4. I requested in my email to XXXX to meet to discuss how to handle regular Mortgage payments to XXXX XXXX as it seems BB & T does not have any e-payment process in place for XXXX XXXX - a major international correspondent back. As of today, Tuesday, XX/XX/XXXX, I have left two voice messages and sent two emails. I also emailed the {$3000.00} Transfer Complete message with email time stamp to BB & T. XXXX. Finally, today I spent 38 minutes on the telephone with XXXX in XXXX ( XXXX ) to try and understand why and how it is legal for BB & T who yesterday and today charged an additional {$72.00} and {$100.00} on XX/XX/XXXX and XX/XX/XXXX for overdrafts that have NOT YET POSTED to my account, and she says they start " processing '' mortgage payments and it takes two or three days and " BBT takes the money out of my account '' to arrange an ePayment to XXXX XXXX. But I do not show ANY Posted Items and NO OVERDRAFTS to result in any overdrafts. Also, CapitalOne completed a transfer into my account on XX/XX/XXXX - that has not shown up until TODAY, XX/XX/XXXX as " Pending '' in BB & T. 
FINALLY< I asked that they refund the seven BOGUS OVERDRAFT fees assessed totallying {$250.00}. They have refused and said they are allowed to take money out of my account in the back office to " prepare '' for a scheduled payment several days before that payment should be mailed. I DON'T THINK THIS IS LEGAL - and the Posted balance I view online should be the true and correct and accurate statement of the funds in my account!!!
I was a student at XXXX XXXX in 2009, I was never informed that I would have to begin paying back the loan to Peaks if I stopped attending XXXX. After graduation I was unemployed so I exhausted my deferment, after that I used their other program where I was only paying towards the interest rate of the loan. I began attending the university XXXX and let them know I was in school so that I could get an in school deferment ; they then stated they did n't have that option since I was n't attending XXXX. I have been struggling to pay back the loans but I have been making the payments for the past 3 years without ever being late. I am now filing for bankruptcy chapter XXXX and also going to be starting my XXXX XX/XX/XXXX. On the website they have an in school forbearance form but when I call to let them know I 'm going to start school they say I 'm not eligible for it which makes no sense. when I ask them why they are n't able to give me a legit reason why I cant sign up for it. There were many times where I called to let them know I was still in school and was struggling to make ends meet but they basically closed the door in my face every time I 'd call. I 'm an expecting mom and in the process of moving out of my parents house, I make less than XXXX dollars every two weeks and have other bills I have to pay. once I start paying back my student loan I only have about XXXX dollars to survive because I have car, insurance and medical bills as well. Someone please help me. Peaks Loan is a Fraud and XXXX misleads their students into getting into debt and fail to explain the fine print on their loan services.
I made 35 out of 37 payments, lost my job and tried to use my remaining funds in my 401K to purchase the vehicle. I was advised I had to pay over {$8000.00} to pay the vehicle off even though the care total finance amount was {$11000.00}. The company sold the vehicle and then the remaining balance to XXXX XXXX, and they are now trying sue me for over {$3000.00}. This company went as far as removing my credit history from XXXX as if I never existed and said I missed numerous payments. I have already filed a complaint with FTC, and the Consumer Protection Agency.
I have attempted to write and call XXXX XXXX  however, I can not get my credit report issue resolved. They responded in a letter that they were unable to provide a goodwill adjustment to my account. I was not asking for this, as I know I made a payment to my credit card every month. 
I have been having medical issues. I was trying my best to keep up with my bills to avoid having 30 days late and to keep my credit score in good standing. I was in constant contact with XXXX online or by phone. My issues begun in XX/XX/XXXX this year. 
Looking back through my account history, it appears that my late payment situation started with the XXXX XXXX, 2017, payment. I paid my payment on XX/XX/XXXX and I spoke with a representative who graciously refunded my late fee. 
I paid my XX/XX/XXXX payment on XX/XX/XXXX. 
I knew I was late again in XX/XX/XXXX so I spoke with a representative and was told that I was due {$320.00} ( including the XX/XX/XXXX past due amount ) for XX/XX/XXXX. I paid the full amount of {$320.00} on XX/XX/XXXX for both payments of XX/XX/XXXX and XX/XX/XXXX. 
After seeing my credit report score drop significantly, I realized that this account is showing 30 days past due for XX/XX/XXXX. Im not sure how that can be since I paid the full amount due of {$320.00} on XX/XX/XXXX. 
If the full amount was not paid on that date, then the account shouldve showed past due in XX/XX/XXXX, which it did not. 
My account has been paid on the due date for the past 3 months. XXXX does not want to discuss my situation by phone and I have to keep writing to them to try to resolve my issue. This process is not consumer friendly and I do n't know where to go from here. I am asking for help to review my account and to hopefully have the 30 days late removed from my credit report.
My wife and I was paying our monthly mortgage payment to Seterus, Seterus stopped accepting our mortgage payments. We requested a mortgage modification with Seterus mortgage XX/XX/XXXX and on XXXX other times, they have refused to work with us. Seterus has taken our money and they have set several property foreclosure sale dates. We are still in the property and want to keep our home. The Making Home Affordable Modification Law is suppose to help people like me. I spoke with Seterus Foreclosure Attorney XXXX XXXX he said to me and my wife he was going to take my house and he and the mortgage company Seterus was not going to let me keep my house. There is a property foreclosure sale date set for XX/XX/XXXX. A thirty day notice was to be sent to me and my wife that is required by Tennessee Law I did not receive a 30 day notice. It is a Class C misdemeanor not to give a 30 day notice per XXXX Tennessee XXXX. 
Please help me to keep my home. Thank You
I am currently in a  XXXX   XXXX   XXXX  with   XXXX   Assistance. I have repeatedly explained this to the creditor informing them that I do not have the ability of freedom to pay them as all of my income goes to my copay for my care.
an ex co-worker allowed me to use his XXXX prime account to help me buy a gift for my kids last year..around XXXX XXXX, when we were working together, in XXXX, Michigan XXXX At the time i lived in XXXX, ohio, and he resides in XXXX, michigan. i purchased the item on his account to be delivered to his house free shipping. his account was free shipping, mine was not. he got the item, and brought it to me at work when it arrived. since then, he quit the company in XXXX or XXXX, XXXX. I left the company in XXXX XXXX, and moved to the XXXX, Florida area, XXXX XXXX, and live in a town called XXXX. in XXXX i was on work assignment in XXXX XXXX, stopped in on XXXX to the bank, PNC BANK, to check balance on my credit card and pay it. This is when i found out that there was many purchases to XXXX marketplace, which i did not do, nor authorize. I met with banker, they cancelled card, ending in ... XXXX, issued me a new one, and i filed a dispute. After i left the bank i called XXXX XXXX XXXX XXXX, and asked for them to look me and my credit card number up, which they did. I asked them to run a report comparing my card charges to any shipping address which was NOT mine. I live in XXXX, Florida. I have a billing and shipping address in XXXX, Florida. The Customer service lady, named XXXX, emailed me and XXXX ( the unauthorized user ) a copy of each purchase which was shipped to his address in XXXX, Michigan. including each order number and description of items, dates, and costs. Each which matched my credit card statement. This activity began XXXX XXXX and ran through XXXX XXXX. There are XXXX seperate orders, each with multiple items. 
Since then PNC BANK, XXXX XXXX, on XXXX XXXX, sent me a letter stating they " have determined '' that i had authorized the use of my card. And i am responsible for the charges on my account. 
This is incorrect. Never did i allow him to use my credit card for any purchase. Nor did i know he would have saved my card number, and use it at a later date. I called PNC XXXX XXXX week of XXXX XXXX, XXXX times, and asked how they came up with this determination, and they said i would have to speak with XXXX, who was suposedly off until Monday. Asked for her to call me back, and it has been over a week and she has not called me. 
The total purchases ( as known to this day ) is {$9100.00} .... 
XXXX bank contact was XXXX XXXX, at PNC, XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX, phone number XXXX. 
I spoke with PNC fraud/dispute team on that same day from XXXX office. business date XXXX XXXX, XXXX. I have a contact name of XXXX, at XXXX for dispute team.
Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : XXXX XXXX XXXX XXXX I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : XXXX  XXXX XXXX I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY
I received Financial assistance from the hospital for all my hospital bills. I do not owe anything and have directly contacted the hospital to make sure. I keep getting phone calls from this third part and i do not owe a dime.
XXXX lists both Northeast Credit and Collect ( NCC ) and Commonwealth Financial Systems ( CFS ) as holders of an alleged collection account. XXXX still shows NCC as holder. ( see attached ). I have requested, in writing, verification of debt and have not received my dated signature for this debt. I have received a BLANK form letter for collection which is not verifiable validation of the debt, see attached. This alleged debt is dated for origination in XXXX of 2009. Per statutes, such debts, alleged or otherwise, are no longer collectable.
My grandmother passed in XXXX, left property to family. I was listed on said property and when I tried to take over payments I was told I was unauthorized. I sent in numerous doucuments that they asked for, I was still denied access to this account until XXXX, XXXX. At this time the property was placed in forclousure. We went to court, the Judge ordered citifinanical to work with me to resolve the issue. They did not. I am working with XXXX and I know what they have done is illegal. please help me. They have taken my property and are trying to evict me using the same documents that should have allowed me access to the loan to enable me to pay the debt. when i sent in payment of any form it was denied,