WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this letter as my last resort to save my home from foreclosure. I have applied for a Loan Modification with my current servicer Select Portfolio Servicing for the last couple months, but I have not been able to work anything out with them and I am falling further and further behind. The reason I fell behind on my mortgage were due to reasons beyond my control. Due to medical conditions I had to have an operation, which forced me to go on Social Security. Not only that but there was a rupture and I had to replace the entire plumbing system for my home. Lastly, I had to evict a few tenants that were not paying me rent and were causing lots of trouble. 
Things are looking way better now and I am in a better position to assume my responsibility. I receive Social Security income and I receive XXXX XXXX jobs on the side ; also, some of my family rents with me now and helps me with rental income. I want to pay what is past due on my mortgage, but I can not afford to pay a lump sum of the past due amount. I feel a loan modification would be feasible for me at this moment and would definitely help me stay in my home. Ive applied over 15 times for a loan modification with SPS, in hopes of saving my home however they have turned down every application I have submitted. 
The most recent denial I received was on XX/XX/2018 and SPS stated I was not approved because they were not able to reduce my principal and interest payment, but even the payment I had before I can still afford ; its the past due amount I cant pay all at once. SPS stated my income was not required nor considered as part of their evaluation, but how do they know if I can afford my mortgage payment if theyre not reviewing my income? This is why I am turning to you for help, in hopes of receiving valuable information that will help me move forward and save my home from foreclosure. I have tried everything and even re-applied for another loan modification review on XX/XX/2018, however SPS refused to create a new review and the worst part is that they scheduled a foreclosure sale for XX/XX/2018. I have only received 1 modification in the past and that was a few years back, but I should be entitled to another modification. Please look into this and help me keep my home. Thank you,
I am a physician, and as such I am very reliant on having a functional phone. XXXX sold me android phones which were constantly and consistently breaking down. They replaced the phones numerous times. The last time they replaced the phone with a new one it did n't even last a day before it stopped functioning properly. When their representative told me he was going to have another android replacement sent to me I said that that was not acceptable. I told him that I needed a different phone that was more reliable or I was going to switch to a different service provider. He said he could only order me another same type of phone. Therefore out of frustration I switched to a new carrier.
TransUnion has been deleting inquiries off my report due to errors and then reinserting these inquiries without legal notifying me of what they have done. I called their customer service number to have all these inquiries removed via section 611 of FCRA about having to be notified within 5 days of any changes to my report but they would not listen to me even though I was telling them I was a victim of their inquiry issue. I want all these inquiries removed. These are the inquiries and dates below. 1 XXXX XXXX XXXX/XXXX/XXXX 2 XXXX XXXX/XXXX/XXXX 3. XXXX/XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX/XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/XXXX
LoanDepot, my mortgage company, has yet to pay my property taxes to   XXXX   XXXX    XXXX  for  XXXX     2017.   They have, however, paid the taxes for  XXXX  2017- XXXX     2017. T hat payment was only made just recently, as up until just a few weeks ago both  XX/XX/XXXX  and  XX/XX/XXXX  payments remained unpaid After many phone calls to their customer service department and many emails to their " delinquent taxes '' department asking for a solution, I continue to be put off and told that " funds were disbursed '', yet these taxes continue to remain unpaid
I have had some fraud on my credit report I have sent out the paperwork and account information to all three credit bureaus. I have sent in everything I was told to send.The following account are not mines someone has used my personal ID and information to open up several account fraudulently. I have filed a report and I want to know what else does Trans Union, XXXX, XXXX  need from me to move this process forward??
I have a mortgage with Sun Trust Bank ( Mortgage # XXXX ) that was issued in XXXX 2015 that includes escrow payment. I was therefore shocked to get a delinquent taxes notice from the county on the same loan for {$2700.00}, plus penalty and interest payments for {$130.00} ( total {$2800.00} ). 
I called Sun Trust to complain about the late payment assessment in XXXX, I was transferred to several people, and none of them were able to provide a reason why a loan with an excess escrow balance could be assessed a delinquent tax penalty. 
Sun Trust then sent me a statement and check ( for {$2500.00} ) one week after I complained about the delinquency assessment stating that my account has excess escrow payment in it. 
I called Sun Trust again today XXXX XXXX/XXXX/2015 XXXX to follow up on the matter, and after over 1 hour of being transferred to several employees, none whom were still able to explain the delinquent penalty of {$130.00}. They finally tried to claim that it was my fault because I should have been following up with taxes authorities to make sure that property taxes were timely paid. Is a mortgagor responsible for timely payment of escrowed amounts for a non-delinquent mortgage?
A company claiming to be XXXX XXXX XXXX XXXX. says they are collecting for Citibank MasterCard to collect and will make settlement before charge-off. They contacted my son while at work asking if he had poa for me, gave him the name XXXX XXXX & case # XXXX on X/XX/2017. I gave them a call, someone with another name came on phone wanting to settle {$1700.00} debt for {$1000.00}, he said a certified letter was returned in XX/XX/XXXX from the p o box # which had been temporarily closed, I told them to resend it to have documentation to review. No letters or documentation just phone calls. I have blocked the number, my son has gotten 3 more calls with them leaving voicemail messages. I can not find record of this debt on my credit report through XXXX or a credit counselor.
The numbers used by this company are XXXX & XXXX
I have XXXX AAdvantage credit card through Barclaycard. XXXX of these accounts had benefit program which I paid an annual fee for of companion tickets for a cheaper price, the process for taking advantage of the program was you were mailed a voucher, that you then needed to call in to take advantage of being mindful of the blackout dates. I have no record of receiving the voucher in 2015, so was not mindful of the benefit until I was planning a trip this summer and remembered the program. I contacted customer service and asked were the vouchers mailed out to me, I did not receive them and was advised first to double check that I did not, if so, I could contact the service center and next steps would be taken? I called back another representative said nothing could be done, I asked to file a complaint - the complaint # 's are XXXX and XXXX. The representative said that I may or may not get a response - so I am using this process to ensure I will. Several issues, Barclay 's sends marketing material and posts information when I log onto the website on balance transfers, on other products - but no mention of how to execute on this benefit, no reminder e-mails to take advantage of it, no reminder that it was even close to expiring when it was - that is assuming it was even mailed. They marketing this benefit but made it difficult to take advantage of ... ... I request the benefit, allowing me time to take advantage of it for this cycle, my understanding the benefit has expired for my account, or I would need to pay a higher fee or if that does not work I request a refund of the annual fee for the period of time I did not take advantage of it for both accounts. A factor to consider is if other consumers with this product did not take advantage of this benefit % that paid the fee but did not use the benefit, a question as to why should be considered by this agency ... ..
The initial phone call was bullying. This woman XXXX XXXX was just bullying which defies logic. She would not even let me talk. i hung up because it was so unprofessional. The entire conversation was threatening. i was n't even disputing the debt. She billed me for the wrong amount ( see attached letters faxed to me just to embarrass me ) and proceeded to call every day leaving messages that obviously told other employees my business. She then proceeds to fax threating letters to another business.i have been sent via fax, intentinally trying to embarrass me. Today XX/XX/XXXX they had another rep. call me. I explained to him my experience he apologizes and then escalates the conversation into an unnecessary bullying match. i finally said what is wrong with all of you. i sent a payment to the company i confirmed it on the XXXX. Then the fax another threating letter after confirming and then called me again today. He gets angry because I told him i will not send payments to them. I will send directly to the client. He goes ballistic and said I will put this on your credit report and report you as combative and refuse to pay. This is harrassment. i have XXXX different letters with XXXX different amounts. NONE ARE CORRECT!! THESE PEOPLE ARE BULLIES. WHY WOULD YOU BULLY SOMEONE WHO IS PAYING AND NOT DISPUTING THE DEBT?
I had a bank account with Bb & t Bank. In XXXX Ky. They overdrafted my account by charging me a monthly service fee. I had the account for multiple months and was never charged it before. So of course I refused to pay it so now they have me blocked in the XXXX and showing up on my credit report.
I am in a chapter XXXX Bankruptcy and am working with a HUD approved Housing Counseling Office Named XXXX XXXX XXXX XXXX Who was given approval from my attorney to help me get a modification. The paperwork was faxes on XXXX XXXX, 2016. My counselor has been Calling two to Three days a week for the last 2 weeks and they Keep telling her that a fax was received but it is not loaded yet. My mortgage company is Rushmore Loan Management. I think they are trying not to help me. I know that it does n't take that long to upload paperwork into a system. Please help me!
XXXX has been non-compliant with removing the unverified account COMMONWEALTH FINANCIAL SYSTEMS which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that COMMONWEALTH FINANCIAL SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Servis One Inc dba BSI Financial and XXXX Mortgage increased my monthly payment without cause or reason. They decided themselves that my property taxes would be increasing in 2016 even though the County Treasurer has not issued tax bills for 2016. They arbitrarily selected an amount of {$1200.00} as my new property tax amount and said I had an escrow shortage of {$1500.00} as a result. My monthly payment was increased from {$670.00} to {$890.00}. I have made 5 attempts to contact them by telephone without success. The recording says they are experiencing an increased call volume and disconnects after 15 minutes unless a voice mail is left. I have left 3 voice mails and my calls have not been returned. 
Next, the recording says " Under Federal Law we are required to inform you that BSI Financial is attempting to collect a debt and any information obtained will be used for that purpose. '' My account is not past due and is not is collection process. I am calling them to question my account. They are not calling me. In the past when I have reached a real person this same statement is read to me. I am calling my mortgage company, not a collection agency. None of the mortgage companies I have had in the past use such a derogatory statement. I find this offensive and believe it is unlawful for them to make such a statement when I am initiating the call to my mortgage company. 
Third, all of the tax payments that have been made on my behalf from my escrow account have been paid late. As a result I have been assessed interest and late fees by the County Treasurer. These fees have been paid from my escrow account. This company has tarnished my credit rating by paying the tax bills late and has mis-used my escrow account by taking the late fees and interest from my escrow account when in fact they were at fault for making late payments.
This is a complaint against PayPal. They made a payment from my account without my authorization, to eBay buyer. I got a damaged returned item, but did not have a chance to inspect it, PayPal instantly withdrew funds from my account leaving me completely without consumer protection.
At XXXX EST on XXXX XXXX, 2017, Coinbase initiated a transfer of XXXX Litecoin, worth over {$4000.00} USD, to their exchange platform GDAX. They claim that these transfers are instant, yet I 've been waiting almost four days and the transfer is still " pending '' and I have no access to my currency. Support has not responded to my complaints, and I 'm seeing many other people on social media complaining about the exact same problem who have also not heard from support. My support case number is # XXXX and the transfer ID of the transfer in question is XXXX
The following is a timeline of events and errors made on the part of XXXX ( debt collection ), Synchrony Bank, and Lowes ... 

XXXX XXXX XXXX notified us of their intent to collect on a XXXX credit card debt * We initially had no idea what they were referring to, we never received a billing statement from XXXX ( synchrony Bank ) based on the fact we had moved our primary residence XXXX XXXX, We requested from XXXX to substantiate Debt ( we understand they have 30 days to prove debt and we did not receive statements until XXXX/XXXX/XXXX * The statements they provided on XXXX/XXXX/XXXX did not contain information from the late debt, we immediately notified them of this error. 
* Despite the fact they were late proving debt, they continued to contact us by phone. 
XXXX Finally on XXXX/XXXX/XXXX, XXXX provided statements to prove debt and we were able to verify the charges were made by us * On XXXX/XXXX/XXXX, We sent an email to XXXX ( please see the following ) XXXX XXXX, XXXX To whom it may concern : I am writing to inform you that we are disputing several elements of your recent attempt to collect debt on our Lowes credit card. The following items provide details on the areas we are disputing and we are requesting the items are corrected immediately : *We never received a billing statement from Lowes/Sychrony, despite our notification to Lowes of our updated address ( please see attached document that indicates our updated billing and shipping address provided to Lowes at the original time of purchase ) *Based upon the fact we never received a billing statement, we are disputing any finance or late charges incurred *Based upon the fact we never received a billing statement, we expect that the late payment will not be reported as late to the credit reporting agencies If each of the the aforementioned items are acknowledged and rectified immediately, we are willing to remit payment for the initial purchases only for the amount of {$100.00}. If you do not respond to this matter in 30 days we do plan to remit a complaint to both the CFPB and the FTC. Thank you for your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX We recognize that we have Not received a response from XXXX in the required 30 day period and conveniently it appears they have turned over our account to another collection agency, XXXX Recovery XXXX We receive a letter from XXXX XXXX XXXX XXXX trying to collect on the debt Here are some relevant details regarding this situation : 1 ) we are willing to pay for the original purchases, provided they remove the late charges, finance charges, and remove any late payment from our credit history 2 ) XXXX has never had a late payment in her life, our credit score is important to us and is currently over XXXX 3 ) We did notify Lowes at the point of sale on XXXX/XXXX/XXXX of our new billing and shipping address, they failed to update in their system ( please see document attached digitally showing our updated billing and shipping address that Lowes/Sychrony Bank failed to update ) Please help us!!!
For account number #  XXXX  I respectfully request Resurgent capital Services, LP to provide me with competent evidence that I have any legal obligation to pay you.     I am requesting the following verification : I need proof of both the original debt agreement with my signature indicating that I agreed to pay Resurgent Capital Services, LP and any payment history and any payment methods you have on file indicating that I made payments to Resurgent Capital Services, LP. ( Checks, debts, or money orders payments  ) , Furthermore I am requesting that you provide me with any telephonic recording between  Resurgent Capital,  LP specifying that you established a verbal agreement with me to collect on the alleged debt.
The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX
A collection amount of {$3800.00} has shown in my credit report when I reviewed my annual credit report with XXXX. The collection was from Diversified Consultant ( XXXX ) with the original creditor is XXXX. I'm confident that I've had an account with XXXX. I contacted both Diversified Consultant and XXXX but the issue was not resolve. I would like to ask for the support from Consumer Financial Protection Bureau as this issue will negatively affect my financial credit. 

Also, additional information, this is a repeat issue. It happened to me in XX/XX/2016. I called XXXX to report the issue and I never heard back from them. At that time, i thought it was resolve because it hasn't shown up in my account or I've never back from them.
i paid a merchant the sum of XXXX dollars on XX/XX/2015.after receiving no services i called pay pal to help me resolve this problem.to my surprise i was told they could not help me, because of the time frame.they gave me a ticket number XXXX but told me in less than 48 hours i was out of luck.what could pay pal possibly have done to investigate my problem for services not rendered.i was totally misled on looking into it by pay pal.why do i have to pay for something i never received.i feel as though pay pal did nothing.
I requested a payment made on XX/XX/XXXX to be entirely allocated to Group B,  however the payment and a subsequent payment was allocated differently. I reached out to XXXX XXXX in a XX/XX/XXXX email requesting the reallocation and he never responded in the Solutions Center. Email below : XXXX   XXXX, I paid off Group B - Loan 6 on XX/XX/2018 with a payment of {$1200.00} when the balance was only {$1200.00}, the excess amount of XXXX was applied to Group D. 

On XX/XX/2018, a payment of {$250.00} was made to my account and was allocated in the following manner : Group B - {$53.00} Group D - {$84.00} Group F - {$110.00} I don't understand where and why {$53.00} was applied to Group B when it had been paid in full the previous day. Group B had a status of refund due for a few days and then is changed to paid in full. 

I want to know why {$53.00} was applied to Group B after the load was paid off? 

Also, I sent in a request to have all payments applied to Group F and I'm not sure if it was applied since my account does not show the payment reallocation. 

Finally, a payment for {$150.00} was made for XX/XX/XXXX and as of today does not show on the payment history, I would like to know why and where it is at? 

Thank you, XXXX XXXX I called to Nelnet and spoke with XXXX on XX/XX/XXXX and requested the same and was promised the payment on XX/XX/XXXX and XX/XX/XXXX would be reallocated. Effectively, the XX/XX/XXXX payment would payoff Group B and extra payments would then be directed to Group F until it is paid off. 

To date the XX/XX/XXXX payment still reflects the payment being split across Group B and Group F and the XX/XX/XXXX payment shows allocation across Groups B, D and F. 

I request the change multiple times and I would like to have this change applied immediately.
I wrote to XXXX, asking them to stop calling. XXXX calls me every day. Each time, they use a different phone number
WELLS FARGO BANK CAR with high balance of {$2200.00} is not mine. Identity theft. Issue was brought up with the company 4 times already without a solution.
I was called on my personal cell phone asking if I was someones wife, I said yes. This man from Midland Credit Management out of California starts telling me details about everything on my husbands past due account, and requesting payment from me to settle his debt, and asked me specifics about why my husband could not pay his debt.He goes on and on about how he sees there was a specific payment and the amount a previous month, but the payments were faulty after then. After I got home I asked my husband if he received a call or if they had permission to speak with me and he said that he never once gave them permission nor did he receive a call to ask for permission to discuss his account with anyone. I was surprised and a little taken aback because there is privacy that everyone is entitled to and he certainly did not receive it from that company.
Dear Sir or Ma'am, Please cfpb Identification numberXXXX of XX/XX/XXXX did not address $ XXXX.of 4 payments submitted after XX/XX/XXXX being applied based on history of my payment summary provided from Mercedes Benz Financial of XXXX Texas . 
Also Requesting charge off be removed contract was paid. 
I would like to provided a corrected summary of payments.
I have been in my home close to XXXX yrs. I have refinanced at least XXXX times, we have also added room on to the house. We have never missed or been late on a single payment in all these years.My Mortgage co. is M & T Bank. They require me to pay MIP/PMI payment of XXXX included in my monthly payment. I 've been paying this for years and I feel that when you look at my payment history this is wasteful and unfair. Is there help for me?