WillisBack/dataset-financial-user-claim huggingface dataset:
In late XXXX, I fell behind on my mortgage payments with M & T Bank due to being overextended. 

When I was able to resume payments, they would not take my payments because my account was in pre-foreclosure status and I had to submit documents to be considered for a loan modification. 

After months of faxing and e-mailing, I was told that I would have to start the process all over again because too much time had passed and they would still not accept any payments. 

I began the process again, and I this time I had to pre-pay for insurance on the home. I did this and after months of faxing and e-mailing again, I was approved to do a 3 month trial payment period, after which it was my understanding, that the loan modification would be in affect. 

I made XXXX trial payments for {$500.00} in XXXX, XXXX and XXXX of XXXX. After I made these payments I was told that there were liens on the home. I responded by telling the bank representatives that the liens were not mine. In fact, the names on the sheet they sent me were for a male family member with no connection to the home whatsoever. I am female. The bank has my Social Security number and this was obviously not my debt. I was using different mailing addresses from the property as not to have others in the home receiving my correspondence. 

I was under the impression that I would have time to work in the title issue since I had been in communication with the bank. As I was working XXXX jobs it took me some time to get the form for the title issues and figure out what the bank was asking me to do. When I called to find out about sending the letter in disputing the liens, I was told that I would once again have to begin the process of a loan modification. 

This process of faxing and e-mailing is extremely tiresome and time consuming. Especially, for a working person. I started it again and this time, I had even more income since someone living with me was giving money toward expenses. I thought this would help in the process. Unfortunately, it did not, because I did not have documentation of the additional income. I asked if the file could be reviewed without consideration of the additional income, since I still had the same amount of income as I did before when I was approved without it. I was told that it was a possibility. 

This was all happening very close to the sale date, so I requested that it be postponed, but I was denied. I asked about my file and I was told that the underwriter was waiting for documentation of the additional income. I explained that I was told my file could be reviewed without the income being considered. 

This never happened. My file was not reviewed and the bank put my home on the auction. The buyer ... M & T bank. The bank is now the owner of my home. I was never given the opportunity to make payments on the home during the process and it was a long process because I had to keep re-starting which makes it look like I was just not paying for this number of months when M & T Bank was actually refusing to accept my payments.
Let me start by saying that I have a credit score of XXXX so I pay my bills on time. In XXXX I had a charge of {$40.00} on a rarely used AT & T Universal Card issued by Citi. I have had this card since 1990. The billing had been changed from paper to e-mail. I have no recollection of authorizing this billing change. I was not looking for a e-mail billing and was only alerted when I got a e-mail saying I was late. The {$40.00} initial charge now included a {$25.00} late fee plus interest. I called customer service, explained the circumstances and asked that the late fee be waived. I sent a check for the {$40.00} charge. I was denied the waiver by phone and by letter which I received on about XXXX XXXX. I sent a letter to customer service on XXXX XXXX explaining my situation. I received a form letter on XXXX XXXX again turning down my request for a late fee waiver. I called customer service and asked to talk to a supervisor. I was told that no supervisor was available but that one would contact me. In the meantime my late fees and interest on the original {$40.00} charge have grown to $ XXXX.Still no call from a supervisor even though I again called customer service requesting to talk to a supervisor. I feel it is unconscionable to access late fees when I am trying to resolve the issue and have yet talked with a supervisor. The late fees are excessive and the bank is taking advantage of the fact that it takes time to get hold of a person with authority. I have authorized by bank to pay the {$63.00} to avoid further fees but am not pleased with this banks service and gouging of its customers. Not one person of authority has responded to my letters. Not one person of authority has looked at my request yet the fees keep getting accessed. Again, none of this would have occurred if the credit card company had not switched the billing to e-mail.
This agency is stating I owe money which is past due. I full filled my lease, gave proper notice, and turned in the keys and was informed everything is great. Now I owe. This is not right and I need help.
XXXX XXXX XXXX ( XXXX ) stole my car without due cause. In the process, they stole over {$810.00} in cash between my XXXX cars and other personal items ( such as my personal finance information used to finance my auto loan ). An 'investigation ' was 'conducted ' and the result was no money was stolen. This is 100 % false and is theft. I have audio recordings of other unfortunate individuals stating they too had items stolen out of their vehicle.
It is a credit reporting agency I never heared of ( Sage ) XXXX.XXXX Sage reporting to companies, but when calling them up to get a copy of the report, no one answers the phone, instead I got a recording message.
Bank of America has an agreement with several large corporations that automatically updates your credit card number when it changes so that recurring monthly payments ( think of your XXXX subscription ) always goes through. The intent is that so when you are issued a new card, you don't miss a payment or lose service if you forget to update your card. The problem arises when your card number is stolen through a data breach and used to pay for services with one of the companies. My credit card number was used to open up multiple XXXX accounts in XX/XX/XXXX. We disputed the charges and were credited the funds as well as issued a new card number. Because of this very poor policy, Bank of America gave XXXX the new card number and we got more charges. This process repeated over the next 2 months and we are now on our 4th new credit card and neither XXXX or Bank of America seem to be able to do anything about this. It is clear from what is happening that the fraudsters have found an exploit in this policy that essentially allows them to charge an account indefinitely, regardless of the card number. This actually hurts the merchant and the bank, as I will be getting my money back, but I do estimate I have spent close to 4 hours disputing charges over the last 2 months.
I have had trouble applying for credit in the past so I have recently taken multiple steps to amend any and all outstanding issues. I found that I was able to obtain an error-free report, indicating my non-existent credit history from both XXXX and XXXX. Experian, on the other hand, has been very problematic with sending me an accurate report. I began running into trouble when I went to check my credit score and saw that there were inconsistencies between the infomration I provided and what was on their report and when making an effort to apply for credit through my bank, so I sent a request to Experian for a full report. After processing my request, I received a credit report from Experian which states entirely false information about my credit history ; there are loans and bank accounts from multiple states shown on the report which do not reflect any accounts that I currently have or locations where I have ever resided. Additionally, all telephone numbers, multiple addresses/former or currently employers and the provided social security number variation depicted are not correct. I have disputed the claim and made multiple calls to Experian in an effort to remediate these issues to no avail. In the process of disputing the report, I was sent the same form multiple times asking to provide forms of identification/bank statements to prove my identity and after responding to Experian twice with the required information, I still received the same form. I have the report attached for reference. Please let me know what can be done to rectify these issues.
I have a questions.Last year I received noticed about the {$700.00} XXXX in Consumer Relief for Illegal Credit Card Practices class action lawsuit that was filed again citibank. 

IN the letter I was told I was affected and that I did not have to do anything in order to receive compensation. 

SO far I have not received any compensation and was wondering if I need to actually file a complaint with a lawyer or not? 
I had owned there credit card protection service for many years and have paid thousands for the service. 

Can you please advise as to what I need to do.
This is my XXXX complaint about Western Sky Financial. I got a call from their thrid party company a man name XXXX XXXX leaves a voice mail saying he is coming to my house with the sheirff deparment to serve me documents on a case against me, they called froma XXXX on the voice mail he told me to call a XXXX XXXX, I am sick of these low life people and their tactics.
I received this letter from this company demanding payment. To my knowledge I have never entered into a contract with this company nor have they provided me with services or goods
Im a victim of identity theft. My XXXX XXXX XXXX XXXX credit card account # : XXXX is lost/stolen. The fraudulent charges/transactions of {$22000.00} dont belong to me and they not my charges. The following XXXX XXXX XXXX XXXX # : XXXX, balance of {$420.00} is a fraudulent and unauthorized account and dont belong to me.
I love the fact that Big Banks and even smaller banks have to answer to CFPB about the various complaints that your everyday consumer has to contend to. With close to {$1200.00} in my account BBVA Compass Bank made a choice to freeze my account and after waiting for someone in their Corporate Investigations department I am requesting that my money be mailed and all fees adjusted and a cashiers check be mailed to me as agreed by XXXX. The reason for this complaint is this, Is it ok for a bank to retaliate against a customer that filed a complaint against them for not being in compliance with REG E. Many people that have been victims of Identity Theft ( Such as myself ) are being denied permanent credit for charges I did not make or authorize! I understand this is a smaller bank but they are operating in the US but there are many complaints that BBVA has been in violation of Reg E : Congress passed the Electronic Fund Transfer Act ( EFTA ) in 1978 to protect consumers engaging in electronic fund transfers ( EFTs ). The law provides the legal framework for the rights, liabilities, and responsibilities of participants in EFT systems that consumers use such as automated teller machines ( ATMs ), debit point-of-sale terminals in retail stores, and automated clearing house ( ACH ) transactions such as electronic payment of a creditors bill from a consumers checking account. Regulation E implements the EFTAs requirements. 

Among its provisions, Regulation E specifies procedures that institutions ( including BBVA Compass ) must follow for investigating and resolving errors alleged by consumers for EFTs, such as an unauthorized ATM withdrawal. The regulation also specifies the extent to which a consumer can be held liable for unauthorized EFTs. To facilitate compliance, this article reviews the regulations error resolution and consumer liability provisions. 

ERROR RESOLUTION PROCEDURES : 12 C.F.R. 1005.11 Section 1005.11 sets forth the procedures financial institutions must follow after receiving notice from a consumer of an error for an EFT. Before discussing these procedures, it is helpful to identify issues that are deemed errors. Under 1005.11 ( a ), the term error includes : An unauthorized EFT or Debit Transaction.
XX/XX/2017- Turned my debt over to XXXX XXXX XXXX ( Debt Consolidation ) XXXX XXXX sent my Power of Attorney and Cease and Desist letter to XXXX XXXX but they continue to call my work repeatably. They may call my cell phone but not my work place. Last Call XX/XX/XXXX XXXX XXXX central XXXX XXXX XXXX XXXX
This complaint is against BSI Financial. I applied for a mortgage loan in XXXX XXXX that took more than 9 months to be reviewed. I inquired weekly to confirm my application was complete, however, BSI failed to communicate efficiently, despite numerous emails inquiring if there was any additional information needed to complete the loan application. This was a very XXXX time due to being behind on my mortgage. I attempted to inform my customer service representative my financial situation [ i.e., income ] had improved since the initial application. I finally received a denial letter, however, it did not provide sufficient information regarding why my modification request was denied. I appealed this decision and never received a response to my appeal. I was advised to reapply and provide updated financial information. I reapplied for a loan modification in XXXX XXXX, this time with a consumer advocate. All the documents were submitted at once to circumvent any delayed delivery. My consumer advocate called several times and left messages inquiring about the status of my new request and no phone calls were returned. Today, I called [ XXXX XXXX ] and requested that I speak with my BSI customer service representative. She came to the phone but opted to call be back. Her first statements were a disclosure indicating that the call was being recorded. I asked specific questions regarding why my original request for modification was denied. The representative was unable to provide any detailed information, despite having my customer advocate and me on the phone for over 40 minutes. My specific request was for the amount of debt that was reported in the initial application and the amount of reported and verified income. I wanted to understand WHY my initial application was denied. When I reminded the representative that I wanted these responses a part of the recording, she quickly ended the call. 

My complaint is specifically related to the following : 1 ) lack of timely communication ; 2 ) failure to respond to my request for a qualified written response as outlined in my appeal ; 3 ) receipt of a demand letter during an active modification application process. 

I have the name of the specific customer service representative who rudely ended the call. I never indicated that I was recording the call. The representative did. I simply restated that the call was being recorded. I believe the representative mistook me to say that I was recording the call. 

I am gainfully employed with sufficient income to pay a reasonable monthly mortgage. I believe this matter needs investigation from the CFPB to ensure my rights are not being violated.
I was contacted yesterday, XX/XX/XXXX, by a company named XXXX XXXX XXXX XXXX claiming i was going to be served papers today, XX/XX/XXXX, on an account that went delinquent in XX/XX/XXXX if I did not agree to take action immediately. Since XX/XX/XXXX, I enlisted in the XXXX XXXX in XX/XX/XXXX. During my service, I underwent an investigation to obtain a security clearance and was forced to take care of all debt on my credit report. To the best of my knowledge, I had 3 accounts that I called and settled. None of those accounts were this account that I'm being sued for. I was able to obtain my clearance meaning my report was cleaned up and I was out of delinquency in all accounts. I got out of the XXXX in XX/XX/XXXX and have since then purchased two vehicles and a house. None of these transactions reflected a delinquent account with US Bank. I was unaware of this 'delinquent ' account until yesterday and feared being sued in court. I agreed to set up a payment plan with the first payment being withdrawn from my account in 2 weeks, XX/XX/XXXX. I do not know what to do at this point. I feel as though this is a scam to collect an expired or time-barred debt. 

Original account number : XXXX Original Creditor : US Bank Total Balance : {$1200.00}
XXXX has illegally frozen ALL of my accounts as RETALIATION because I previously filed a complaint ( they illegally obtained the number of my elderly mother and told her she had to pay my debt or she would go to jail! ) I responded by calling XXXX and explaining to them that I am XXXX years old and Ipay my own debts. I respectfully requested that ALL employees of XXXX only contact me at the phone numbers I provided. I also demanded that they refrain from looking up the names and numbers of my relatives and threatening them by demanding they are obligated to pay my debt. I is notable that I have lived in my home and had the same number for over 20 years so XXXX would have NO problem finding and contacting me! XXXX is using illegal tactics to collect debts including but not limited to targeting and threatening the elderly. In short, there is NO legal basis for XXXX to freeze ALL of my accounts much less demand the ability to collect my debt from my family as a condition for providing me with credit. XXXX is also lying by stating that I denied them permission to contact me. I have always openly provided my own phone numbers and address as points of contact. However, I did demand that XXXX refrain from illegally contacting my parents, relatives, friends and employer to demand payment of my debt. The illegal actions of XXXX collection agents must be stopped! In addition, XXXX should be audited and fined for intentionally retaliating against me ( and probably others ) by freezing credit on existing installment payments when all I did was report their illegal and predatory collection activities. The fact that XXXX keeps getting away with this outrageous, intentional and illegal behavior is not just ridiculous .. it is obscene!
I have disputed an account with Credit Adjustments by mail and they have not been able to provide validation of the debt. They sent me a letter with a bill, I asked for validation which they did not do and still put it on my credit report.
My husband and I were approved for a car loan from Lendmark Financial. We signed the loan documents and did what we were instructed to do, but the title was misplaced and we had to get another copy from the dealer. The dealer contacted the previous owner and it took the owner some time to give the dealer a copy. Once the dealer received the copy we processed the title immediately, but Lendmark Financial had to update their information with the Virginia DMV in order to get the title. Lendmark claimed they could n't get in touch with the DMV and did not know what to do. I got in touch with the DMV and found out what to do, sent the form to Lendmark and processed a title copy for the third time. I did not miss a payment and I kept open communication through out the entire process. Lendmark Financial placed a judgment on my husband 's and my credit report. When I called to see if the title was received they confirmed that they had it. I then asked if the judgment could be removed since we made sure the company received the title. The branch manager ( XXXX ) was very rude and stated that the judgment would not be removed until the loan was paid in full. I replied that there were no payments missed and reminded her that I made sure they received the title. I also told her that I was not going to pay until they removed the judgment. However, I am still current on the payments and she filed a motion to garnish our wages, even though we have not missed a payment. I have proof from my checking account and my credit report shows on time payments as well.
Discovery card, reported on their system history of late payment to XXXX. When I called and questions due to always paying on time, and sometime making several payments in the same month. They stated that based on their system, every payment gets added to the same month not to forward amounts. Which we understand, but do not understand why they they will say we are late .... They say this is something in their system, but not in the credit bearues. My concern is, through their systems, is creating false information of our credit or payment history with them. Because we are paying on time and have done so. So I do not find it fair or correct, if I have never paid late ... Why it should reflect in their system as such ... 
which this action caused my credit to decrease during a home purchase ... Which disqualified me from being able to purchase the property ... ..
I have a collection reporting from CCS XXXX, I saw on my report that I have a collection I went and paid it just so it would be resolved. I was unsure what the debt was so I have made several requests for them to tell me what it is for after paying the debt. I should not have paid it without but I was thinking it wouldn't effect me if I pay it immediately. Boy was I wrong and now they are completely ignoring me.
I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau Equifax, XXXX, and XXXX. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my XXXX   account and they refused. This is causing major issues in my personal life and need these items removed immediately.
This is the second complaint we have filed as when we called in the XXXX kept saying the DOB does get involved in Short Sale approvals. It's evident no one at the division of banking even READ THIS COMPLAINT as the information mailed to me in response was regarding CARRINGTON MORTGAGE and this complaint is NOT AGAINST CARRINGTON. This complaint is not regarding a short sale. 
This is regarding XXXX ( 2nd loan servicer ) sending a discharge of mortgage debt ( 1099C ) to homeowners in XXXX and then when they went to sell in XXXX they couldn't because the mortgage discharge was never recorded. When we attempted to contact XXXX they scrambled and said the entire debt was still due - however each homeowner is in possession of the 1099C which was dated XX/XX/XXXX. 
Per Massachusetts law Mass. G.L. c.184, 17B the mortgage servicer has 45 days to record a discharge once the mortgage debt is discharged. Mortgages must be discharged within 45 days of receipt of full loan payoff by recording and furnishing a copy of the discharge with corresponding recording information or providing a proper discharge to the person paying off the loan. If the DEBT is discharged in it's entirety there is no mortgage anymore. XXXX XXXX and XXXX XXXX XXXX mortgage debt was discharged in it's entirety. A discharge should have been recorded by XX/XX/XXXX. 
From XXXX : I have listed my house for sale. When title was pulled it showed TWO mortgages, however in XXXX my mortgage was forgiven by XXXX. XXXX was originally XXXX XXXX which was sued for giving out bad loans. My the debt was forgiven by XXXX with a 1099C in XXXX, but they never took the mortgage associated with this off of my title. Now I'm being told that even though they sent me a 1099C stating the debt was forgiven that that was a mistake and I owe the entire amount. This makes no sense. If the debt was forgiven via a 1099C then the mortgage should have come off my title at that time, but it was never done. On top of that how is it I now owe the debt that XXXX forgave? 

We have filed complaints with Division of Banking and the MA Attorney General 's office.
I wrote to Equifax on XXXX XXXX, asking them to investigate XXXX accounts on my credit report. As of today, they have yet to respond to me in any way.