WillisBack/dataset-financial-user-claim huggingface dataset:
The loan officer talked to fast and didn't explain details of the loan very well. I went to go sign the closing documents and it wasnt until then I found out I was getting two mortgages placed on my home ; both are adjustable mortgages ; a first and a second with a higher interest rate. None of this was explained to me, I had no idea this was what I applied forI asked the notary why I had to sign another deed of trustThe notary had to explain I was signing two deeds of trust because one is a first mortgage and the other deed of trust was for a second mortgage, she asked me if I wanted to cancel the signing and or call my loan officer and I told her no that I needed the money.
I have received repeated calls from this Malcom S Gerald & Associates. Every time I call them back, they do not answer and I have yet to speak to a live person. 
They have been calling many times and never leave a voice message. I do not know who this company is or why they are contacting me as I have never received anything in writing from them.
I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of Michigan.the image I am attaching shows their license is closed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.
I paid mortgage to Everbank ( Everhome Mortgage ) and money for Flood insurance, although my home is not included in the sinking area. I asked the company to remove payment for Flood Insurance with me this payment as it was burdensome for my family budget. Because of this, I 'm too used my credit cards for ordinary routine payments. Now Everhome Mortgage decided that my house does not need insurance. However, I would like to ask for the money back, for all the time that I was paying this insurance against my will, if it is technically possible. Thank you.
This is with regard to multiple issues with DiscoverBank. After trying to obtain resolutions from customer service people at call centers approached a different way, letter to the CEO, reported bank to every federal agency out there, now this one. Was contacted by a XXXX XXXX, claiming to be Associate, Executive Advocacy, DiscoverBank, who told me to deal directly with her, she even gave me her direct phone number, informing me there were 8 people in this Executive Advocacy group. Since then, of course can not reach her at all, trying for a week, get message, we are closed, try next business day. Same message when trying to call customer service. WHAT! Have on going IC3s with the FBI, in DC as well as my home state, Connecticut. My banking is becoming ridiculous, opening accounts, closing accounts because of fraud, you name it. Had accounts with XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, to name a few. I have had various accounts my entire life with no issues to report, now, my banking has been an abomination.
My complaint is about XXXX, formerly named XXXX, also part of Shellpoint Mortgage Servicing. On my XX/XX/XXXX statement, I was told to pay a partial payment of my usual monthly mortgage. My usual payment is {$1400.00} per month. My XXXX statement said to pay {$370.00}, as a {$1000.00} payment had already been applied. I paid {$400.00} for my XXXX statement. I soon received a letter informing me I did not pay my XXXX balance. By XX/XX/XXXX, I received a letter saying I owed {$2500.00} because I didn't pay the whole balance due in XXXX. So I had to take a loan from my parents to cover this cost. I paid this total amount then on XX/XX/XXXX. When I called XXXX and asked about the discrepancy in the XXXX statement, they were not sure why the problem happened and they would get back to me. They did not. When I called back around XX/XX/XXXX, the service agents couldn't explain why there was a {$1000.00} payment made to my account, and later retracted. When this payment was retracted that caused my partial payment to not meet the monthly cost and I was sent a failure to pay notice. At this point XXXX told me it was going to be ok. But what happened to the {$1000.00} partial payment applied in XXXX? After I had already paid the {$2500.00} for XXXX, I called again to XXXX to understand what happened. They replied with " we don't know ''. I called again today, XX/XX/XXXX to find out what they discovered happened to the missing {$1000.00} from my XXXX statement. They told me they didn't know, they also said they might have applied someone else 's payment to my mortgage. They were not sure of their own book keeping. I was charged a {$56.00} fee. My credit also took a hit, as I was considered delinquent for paying the amount XXXX billed me. XXXX 's poor book keeping caused me I injustice to my credit score, when I'm trying to finance a new car, and now my monthly payments might go up {$100.00} a month. XXXX  mortgage company made multiple mistakes, charged me a late fee, messed up my credit, and their resolution to their mistake is " I apologize. '' Meanwhile, I am the one financially burdened by their mistake. Please help.
OCC # XXXX PUBLISHED XX/XX/2016 For the first time from complaints XXXX chase my servicer refer to the XXXX XXXX deal as a mortgage trust, XXXX XXXX XXXX. 

IN XXXX WHEN XXXX XXXX XXXX MORTGAGE WERE INVOLVED BY XXXX XXXX OF XXXX XXXX. 

DID YOU CONDUCT SOME SORT OF LOAN TRUST AT XXXX XXXX XXXX XXXX, MICHIGAN XXXX?
I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
The original call on Citibank on XX/XX/2018 when XXXX did not show up to install the A/c unit. A credit card dispute was then opened with Citicard ( XXXX ). I provided Citibank with the following 4 documentations : 1. XXXX XXXX police report dated XX/XX/2018 XXXX # XXXX by Officer XXXX XXXX Badge # XXXX, 2. original XXXX XXXX XXXX invoice,3. repair invoice from second company ( they stated that a complete replacement was not needed. ) 4.Receipt of {$2000.00} charged by XXXX wife XXXX XXXX XXXX XXXX charged using mobile credit card terminal from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ca. 
The Citibank sent a letter on XX/XX/2018 saying that they could not honor the dispute. 


the following is My neighbor 's XXXX posting of the incident : XXXX XXXX of XXXX XXXX XXXX XXXX is a CROOK!! He was called to service my AC by the elderly landlords and XXXX came and said the unit 's compressor was bad. He convinced the landlord to put in a new unit and told him it would be {$2500.00}. XXXX told landlord {$2000.00} was to be paid on the spot and {$500.00} when job was completed. He wanted only cash!! He ended up charging landlord 's credit card using his ex-wife 's name and never came back nor did he answer landlords or my calls to find out what happened. Now the elderly couple are struggling to get their money back. He uses false license number too! Police report has been made. WARNING : STAY AWAY FROM THIS SCAM!! I selected one star to be able to post this warning! 

P.S. Other people have been scammed and made Ripp Off Reports online on yelp.
In XX/XX/XXXX I have contacted Experian and XXXX  requesting verification in regards to the accounts that are listed in an open status. { XXXX and XXXX XXXX } My report has since been updated with the current year showing the accounts are still showing open. The company that they are getting the information from is reporting inaccurate information.
I'm writing to dispute the unauthorized rebill amount of {$1000.00} as of XX/XX/2018 that has already been settled with the merchant. Until providing proof in writing of the Bill of Sale and Authorization for this unauthorized charge in 5 business days this charge is considered determine to be Void. As consumer will NOT BE HELD RESPONSIBLE for any mistakes from the Creditors or the Merchant. According to ( FCBA ) Fair Credit Billing Act, it is mandatory to comply with the disputed requested submit in a timely manner of 5 business days. Failed to comply will be determined as void, as I already bring this matter to the Federal Trade Commision and Consumer Finance Protection Bureau in regards to this unauthorized rebill charged. The dispute in favor of consumer request to the creditor is mandatory to comply by 304. Disclosure of fair credit billing rights, 305. Disclosure of billing contacts, 306. Billing practices, 161. Correction of billing errors, 162. Regulation of credit reports, 168. Prohibition of tie-in services, 170. Rights of credit card customers
I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXof XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXXin the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} onXX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
My insurance premiums are based in part on my credit score. My most recent premium statement showed a drop in my credit score from XXXX to XXXX and a drop in rating from XXXX to XXXX. This results in a higher premium. As instructed, I have contacted my insurance company and XXXX. I was told that they only know what Experian tells them. I was able to get a copy of my credit report. I was not able to submit a dispute, because the information on my report seems to be correct. It does not however, seem to support the reasons for the reduction in my credit score. I am going to contact my agent, and start another lap trying to get information that no one seems to have.
To whom it may concern, The problem I currently face is one that has affecedt every aspect of my life. I have been dealing with this issue for the last 5 years. It started when I signed up for the federal student aid loan program because with out it, I would not have been able to pay for my education. Not only was the fact the the loan would continue to compile interest after making timely payments not disclosed to me, in addition every fee that sallie mae could come up with amassed a debt amount that I am ultimately not able to afford. My debt to income ratio exceeds 75 % which caused me to max out my credit cards because I literally could not afford anything and once my credit cards where maxed, I also lost my apartment as well leaving me with an eviction on my record. Having something like this on your credit pretty much disqualifies you from everything. The student loan program has done nothing but cause stress and ruin my life.
I am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.  XXXX   XXXX   XXXX . This is an account that I have no knowledge of and it is not my debt! There are  XXXX   US Departme nt of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.  XXXX  is also reporting twice. These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false information.
I called the company to pay and they said they no longer had my debt but sold it without proper notifications. The new debt collectors added on many chargers with proper notification.
I am behind on my mortgage due to medical reasons. I called LoanDepot on XX/XX/XXXX to see what my options were. I was told that if I could come up with a large sum of money by XX/XX/XXXX then I could set up a repayment plan and avoid foreclosure. I saved and borrowed money for weeks and called them back today ( XX/XX/XXXX ) for them to tell me " Sorry, your mortgage is already in active foreclosure and basically there is nothing you can do about it. We have had this issue of inconsistency with LoanDepot before and it caused even more of a delay of being able to pay our mortgage. I feel that I am being taken advantage of due to the lack of knowledge of the staff at LoanDepot.
RE : Bank of America HELOC account number XXXX Bank of America has de-listed my HELOC account from my login into their website to make payments. They also quit sending me statements. I have spoke to them and they requested assistance and complied with sending them the information pertaining to paystubs, bank statements, etc. which I have provided to them. I have proff from USPS tracking they received them. However, they will not contact me to let me konw the status since I am unable to view the account online or see any statements via USPS mail since they discontinued that. I would like to know the status of my HELOC and what I can do to get it restored, however they are not compliying. Due to my long work hours XXXX - XXXX Monday through Friday, I am unable to receive or make phone calls during those hours. Therefore I 've requested they send me updates via USPS mail or email and they have not. They request that I call them, which is impossible due to my work.
During application for a XXXX credit card an equipment failure sent the application to several past pages. My credit is at risk.
I have sent this company several debt validation latters. They have yet to reply back to me with specific questions I requested TRANSWORLD SYSTEM to answer.
Please see the attachment debt validation letter they have yet to reply back to answering " ALL '' questions truthfully with signed affidavit.
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I have NO contract nor have I ever had a contract with TRANSWORLD SYSTEMS INC. of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX , PA  XXXX .
I made several good faith attempt to settle my account with XXXX. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.
Last year in 2017 I disputed with XXXX and XXXX regarding a account I.C. Systems after I sent a written Dispute and it was later removed from my credit report.This morning I get a alert from XXXX XXXX that the account reappears on my credit report after it was deleted.This false information has affected my ability to obtain credit
I took out several loans with this company in the past. I would always pay hem back. For some reason I fell behind on one of the last loans I was planning on getting from them. I then was charged though them. They took the money from my Bank account. Me thinking they had tooken all of the money that i owed. But they were short XXXX . So I never went back to the store for a while. I then noticed I did owe them still I was being called maybe a couple times. I was supposed to go in and pay but I just never went it in because maybe since I thought it was only XXXX they would charge again on my bank account. Well now it 's time to pay it all off in full payment. I would like to do this as soon as possible
On XX/XX/2018 a letter was sent out to me disclosing an alleged debt that I owed. The company Medical Data System INC. has medical information about myself that I did not authorize there for medical data system is in direct HIPPA violation. These accounts need to be immediately removed from my credit file and delete it from all three credit bureaus XXXX XXXX XXXX
I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Pleases Find Out Who Is My Address XXXX XXXX XXXX XXXX XXXX Or. XXXX I Moved Here Over 21 Year 's And Never Moved This Is A Home .Please Correct Thank You. XXXX XXXX XXXX
During the summer, I was working with account manager, XXXX XXXX, of Fay Servicing , LLC to secure a modification. The loan was in my parent 's name who are deceased but I became owner after I filed the " Death of Joint Tenants at the XXXX XXXX XXXX XXXX Office. I was also appointed Administrator. 
I submitted the modification papers to her in early XXXX 2015 and provided the necessary supporting documents as requested. 
My last verbal communication with XXXX XXXX was the XXXX week of XXXX where she informed me that their company had to send someone out to the property to take pictures from the inside and outside to assess the property and to confirm that the property is actually being occupied. She said that this was necessary as part of the modification application. Someone from XXXX XXXX came the same day to assess the property. As soon as I received a copy of the assessment a three weeks later ( see attached assessment ), I received a letter from Fay Servicing reading that my modification I did not qualify for the modification and that I have been deemed ineligible for " Failure to submit a completed initial Package in the time-frame requested. " I called XXXX XXXX many times to explain my I received such letter when I have submitted all requested paperwork to her in a timely manner. She never returned my call. I left several messages on her voicemail. I even called to see if she was in her office. The operator said she was in her office. I sent her an email on XXXX XXXX, 2015 at XXXX. Pacific Standard time stating " I just received a letter from Fay denying my modification due to paperwork not submitted timely. I have submitted all paperwork to your office you requested in a timely manner. What is the issue? '' There was no response ( see attachment ). After several calls to her office again, I emailed her on XXXX XXXX, 2015 at XXXX stating " I have called and emailed you concerning my modification and you have yet to return my calls or email. If I submitted all my paperwork to your office as you requested, why was I sent a letter staying [ XXXX ] that my paperwork was not submitted on time. Last time, I called, the operator said you were in the office. I think it is odd that I am not getting any responses from your office. Please reply. '' Still, no response ( see attachment ).
I am a victim of identity theft. I recently learned that my personal information was used to open an account at the company. I am not sure how the alleged debt originated, I am a victim of ID theft.
On my behalf, XXXX XXXX XXXX and XXXX XXXX XXXX, has sent a letter to XXXX XXXX XXXX, requesting in the spirit of good customer service, that XXXX XXXX XXXX exempt me from the balanced owed on the following account ending in XXXX and cease and desist all collection efforts on the above referenced account and have the account deleted from my XXXX credit report immediately.