WillisBack/dataset-financial-user-claim huggingface dataset:
I have filed at least XXXX HAMP applications and sent them to BB & T and they continue to charge me late fees and leave me hanging so that they can rack up fee after fee and deny me a HAMP loan based on me not resolving my hardship, if I was able to resolve my hardship I would n't need a HAMP loan. This is not a HAMP guideline and I feel they are denying me so they can run up as many fees as they possibly can. I 've been feed to death for at least the last 2 years and it just continues and I just keep getting denied and then they keep sending me letters telling me they value my business, well I would value someones business too if I could fee them to death and leagally make them pay me those fees.
In XX/XX/XXXX a creditor served somebody at my address and as a result there was a default judgment was issued. I have been trying to get verification of the debt because I think my ex-husband open this card in my name I tried to settle the debt and they would not give me the information in writing. In XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle and in XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle the debt or send me a letter. The first time I tried to settle that with them and did n't hear back I did n't pursue it because I had a car accident and I was in XXXX and my daughter also had a baby.
On XXXX XXXX, XXXX around XXXX p.m. I contacted XXXX XXXX to inquired about an account that was unknown to me reporting on my Experian credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the XXXX or owner. She tells me that she is the assistant XXXX. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XXXX XXXX, XXXX around XXXX p.m. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XXXX XXXX, XXXX I receive a credit inquiry alert saying that XXXX finance did a credit inquiry for an application or loan. I then spoke to XXXX on XXXX XXXX, XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. XXXX got mad because I asked her how can there be XXXX different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to Experian and they refused to dispute it and told me I needed to contact the creditor to get it off.
Paypal keeps on putting holds on my account for no reason. This is ridiculous! They peremently limited me because I spoke my mind and gave feedback!!!
This company has been harassing me and my family. Calling me at work and threathen to take me to court for an account I do n't even know what is about. They call me at work and they do n't want to give me any information. Also They talk to me in a very rude and not proper way. Making me feel afraid of what they say that could happened to me. Keep harassing my family as well. I tried calling several times and the lady XXXX was rude and did n't wanted to give me information of the company. They call from local numbers and this number XXXX ext XXXX REPRESENTATIVE : XXXX AND XXXX XXXX
XXXX cable company falsely charged me $ XXXXfor service I did n't have and sold the debt to Credit Management. The matter was resolved on XX/XX/XXXX by XXXX a customer escalation specialists. Credit management was informed in XXXX by myself and XXXX. In XXXX they began to report that the debt was originally {$640.00} and is now {$75.00}. This is a month after the matter was resolved and they were contacted by both parties. The debt was disputed and they stating its accurate
When my wife opened a new individual account at Chase Bank to receive her Social Security payments, the Chase employee was instructed to not include my name and social security number. My spouse had XXXX other accounts in which I had signature authority, therefore my Social Security number was on file. This process of removing my name Social Security number from the new application triggered an alert or concern with Chase Bank. This resulted in classifying me as a " reputational risk ' to the Bank and XXXX Chase Bank accounts were closed and XXXX credit cards were cancelled where my name and Social Security number were attached. Local branch manager at Chase reviewed the new account process with the employee and indicated that the new account process caused problem. Chase management refuses to acknowledge the cause, reverse their damaging allegation about me or tell me what makes me a 'reputational risk ' or re-establish the accounts. 

A complaint letter has been sent to Chase Bank branch in XXXX XXXX but I am told that nothing can be revealed to me about the decision but other financial institutions will be notified that I am a 'reputational risk '. This is damaging for me and Chase 's claim can not be challenged.
Last Thursday I got a call from my XXXX County clerks office say that they got a fraud complaint against me and Im being sued but If I call this number XXXX or XXXX I can maybe stop the process. The company I called is called National Management Recovery Corp. They told me I owe Plain Green LLC {$3600.00} and I was being sued and they are going to put me down as a fraud. I was scared so I ask them if I pay them {$100.00} to stop the process and if they would sent me a receipt and sent me by email that they own the debt. They havent sent me anything I almost feel like I got scammed.
On XX/XX/XXXX we entered into a contract with XXXX XXXX ( homebuilder ) and DHI ( lender ). Several discussions with their MLO XXXX XXXX ( XXXX XXXX ) led to a submitted application and preapproval. It was during this preapproval that we discovered the existing of a Federal Tax Lien on my husband 's ( XXXX XXXX, XXXX ) bureau. We believed at the time the lien was associated with his father. My husband does out past income taxes and is currently on a repayment plan, paid as agreed. This was disclosed to the MLO. On XX/XX/XXXX XXXX emailed us to inform us that the application was going to be receiving credit approval ( conditional ). We fully expected to be required to provide proof of payments, balance, etc. but to our surprise XXXX asked for nothing pertaining to the XXXX. On XXXX XXXX was provided a copy of the installment agreements and payment history for the lien after a discussion with my husband. XXXX acknowledged receipt of the documents. We received a conditional approval on XX/XX/XXXX from XXXX XXXX ( XXXX XXXX ) and satisfied the conditions of the approval ( which still requested nothing regarding the lien ). On XX/XX/XXXX I received a call from XXXX stating that the underwriter made a mistake and realized that a conventional/conforming loan was not an option as it could not be sold to Fannie/Freddie and they would need to have us enter into an FHA loan instead ; which required even more money down due to XXXX XXXX FHA limits. 
The error is this. XXXX was provided the information and in escalating the satisfied conditional approval of the conventional loan it was revealed to me by XXXX XXXX ( Asst. Nat'l Resolutions Manager ) that in an internal email/document between the underwriter and XXXX AFTER having received our lien documents and payments that he informed underwriting the tax debt/lien was not associated with XXXX which led to their credit approval. It is my strong belief that this is a violation of UDAAP in that XXXX had direct knowledge and confirmed receipt of the information but withheld the information in an attempt to gain the approval. However, at my request, I asked XXXX to investigate the loan amount on the approval as it was $ XXXX short at which time underwriting somehow became aware of the voluntary and/or deliberate withholding of our credit information and XXXX contacted me to pursue the FHA loan instead. 
The situation was escalated and XXXX ( ph # XXXX ) admitted there were " communication errors '' on behalf of XXXX but that we 'd be required to pursue the FHA loan and provide approximately $ XXXX in closing costs. She acknowledged with XXXX 's manager ( XXXX ) on the phone that errors were made but XXXX would not portfolio our loan and our only option was the FHA. I cited my concern with UDAAP, ECOA, HMDA, and TILA and asked to speak with a compliance officer or legal team representative and she refused to provide me any contact of a subject matter expert. I have every conversation in email as well as our conditional approval and conditional credit approval that were both satisfied.
I filed a report with TransUnion and XXXX stating there were items on my credit report that did not belong to me. I filed a formal police report about the incident and sent it into the credit bureau ( s ) along with the letters listing the items that did not belong to me and the credit bureau ( s ) did not remove the items. They sent me a letter saying they were not accepting my identity theft complaint and report and they are not removing the items listed on my credit report that do not belong to me.
I took out a {$5000.00} dollar loan in XX/XX/XXXX from XXXX XXXX. I took the money out to start my now very successful business. 

I made the payments on time every month until XXXXXX/XX/XXXX when I was called by a debt solution company about renegotiating my debt. I agreed to enter the program as I had already purchased my home and car so I didn't think it would be a bad idea. The debt solution company XXXX XXXX XXXX XXXX XXXX told me to treat it like a bankruptcy while they negotiated the outstanding balances lower. A month later I received a summons from Fradkin & Weber collection agency. The XXXX XXXX XXXX XXXX XXXX  company told me not to respond to it. I had an over 700 credit score at the time. Then F & W called me and threatened me and it made me extremely nervous. I was able to make the payments, it was never about not being able to make the payments so on XX/XX/XXXX I exited the debt program and made a payment to get up to date with XXXX. I made this payment at the XXXX MD branch off XXXX XXXX. I called F & W and asked what did I need to do to make the hearing go away. They sent me a form to fill out and fax back to them and I faxed it from a XXXX in XXXX PA. 

I found out later that they did not stop the hearing, and it went on and I did not show up to court and the judgment was awarded against me. I didn't have money to attain an attorney at the time and rather than go deeper into trouble with this agency I started making the requested payments to them. 

I made payments on time every single month for years. I then requested F & W to send me a payoff balance several times. All of my emails went unresponded to. I wanted to pay the remainder in full. No one got back to me. 

I had an automatic bill pay set up with my bank but I had switched banks. I missed two payments to F & W and they without my knowledge or permission pulled a large amount of money out of my bank account on XX/XX/XXXX This was way more than the balance owed. I have paid nearly 8000 dollars on this {$5000.00} loan. 

I have emailed them and called them repeatedly for an explanation and no one has responded. This place has turned my life upside down,
Hi my name is XXXX XXXX I am reaching out to you do to my Experian credit report. Couple months back I obtained a copy of my Experian credit report and on my credit report there was a duplicate account that was posting twice. One with no data and one with correct data So I contacted Experian and had it disputed. The consumers name that I was disputing for posting duplicate was XXXX XXXX  But unfortunately Experian member deleted an active account from a different company the name for that company was XXXX XXXX XXXX  due to the wrong deletion my credit score took an impact of dropping my score lower. I have tried contacting Experian multiple times but every time I do contact them I am greeted with the foreigner that does not understand what Im trying to explain every time I tell him they deleted the wrong one he tells me yes sir we deleted XXXX XXXX  and I tell him know yous deleted the wrong one then then they put someone else that still dont get that they deleted the wrong credit card posting. I had contacted XXXX XXXX and let them know they were going to post another months worth on my credit report but my concern is my past good credit report history is now missing due to experience deleting the wrong file.
In  XXXX , I separated from my husband. My daughter and I continued to live in the house and pay the mortgage. I later asked the mortgage company to give me a statement and was denied because my name wasnt on the house. I asked if the house could be put in my name because I was paying the mortgage and was told no. I then asked could they tell me where the payments have been going and they said no. The mortgage company refused to discuss anything with me and said they would only speak with my husband. They requested that I send in check stubs, approval from my ex-husband giving me permission to ask for information on the house which I did. I sent in all requested paperwork for months and months with no resolution. The crazy thing is that I signed as the co-borrower when we first got the house so why not put it in my name. I should not have had to get my ex-husband to authorize the mortgage company to speak with me. I even tried to sell the house with a realtor helping me. She was getting the run around just like me because they kept asking her to fax the same paperwork over and over again. After we divorced in  XXXX , I was still denied information on the house and told that my ex-husband could come and take the house away from me at any time he saw fit. I was upset because I had been paying the bills with no paperwork saying where the money was going and told I dont have any claim to the house. After all the drama with the mortgage company, I decided to leave.
I tried to switch TV service to XXXX. Several attempts were made to get my credit infor from Equifax. XXXX only uses Equifax. First Equifax advised that I have a security freeze. I do not. I have fraud alerts due to identity theft XXXX yrs ago. The reps were impossible to understand their English. I was told I needed to write to get the security alert lifted. This is incorrect as I do not have a security freeze. After several calls over 5days, I was told that XXXX needed to only use my XXXX . XXXX would only submit with XXXX. 4 times I went to XXXX. XXXX reported XXXX ordered by credit report and gave their sales rep a ref. number ( total XXXX ref. numbers as their sale rep still could not get my credit infor. Equifax has done this to me before. That is how I knew it was not a security freeze. These errors cost me money. I still do n't have XXXX service ( choices in area are limited ) and I have a " hard inquiry '' on my account. Credit reporting agencys have too much power and abuse it. I ask that both XXXX and XXXX be contacted and my " hard inquiry '' be removed.
On Saturday  XXXX / XXXX / 17  at  XXXX   XXXX , I went to this bank to access my safety deposit box. I arrived there well before closing hour (  XXXX  ). I was told I could not have access to my safety deposit box because the timer was on and the door would not open. I work during the week, so the weekend is the only time I can access my safety deposit box. I am urgently in need of paperwork that I have stored in that box and my bank will not allow me access to my belongings. The bank never made clear to me in a policy that they have the right to seize and withhold my belongings from me.     My bank info and location :  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , NY  XXXX   XXXX
unknown person ( s ) opened a fraudulent credit card using my information with synchrony bank on XXXX XXXX 2016 and purchasing XXXX dollars worth of furniture, after learning of this I contacted synchrony bank on the XXXX of XXXX to make them aware of this and explained that not to allow this purchase to go through which at the time was still not delivered or picked up at warehouse, filed a Police report in my town. I also contacted the XXXX credit reporting agencies and placed a credit alert on my file. After placing the alert unknown Offender ( s ) with the help of synchrony bank opened a second account and attempted to open XXXX more accounts. I then placed a security freeze on my credit on XXXX XXXX 2016. After taking 2 months and 22 phone calls to synchrony bank I was able to get this account which was under mattress firm Account number XXXX closed. Then the task of getting synchrony bank to remove the XXXX fraudulent inquiries on my credit was a bigger nightmare. I have even contacted their fraud department which cant do anything about this. Finally on XXXX XXXX 2016 I received a letter from synchrony bank stating this account was closed and removed from my credit. On XXXX XXXX 2016 I received a credit card statement for the above closed account for the original amount of XXXX that as the fraud specialist XXXX stated " the store pushed the charge through '' this was after 6 weeks of freezing my credit.She also had no explanation of this account since it was closed a month ago and to dismiss it. Then on XXXX XXXX I received another credit card statement again for the same account with the exact amount of XXXX I then called synchrony bank and the " Fraud department specialist supervisor '' could not explain this. As a retired Police Officer the only way that the exact same charge went through after a month that this account was closed, after 3 months from the initial charge and my credit frozen is that whoever " pushed this charge through '' is either the person who stole my identity or working with the offender ( s ) Under your publication summary of rights under the FCRA of victims of identity theft synchrony bank refuses to release THE RIGHT TO OBTAIN DOCUMENTS RELATING TO FRAUDULENT TRANSACTIONS MADE OR ACCOUNTS OPENED USING MY PERSONAL INFORMATION. This is a direct violation of the law and my civil rights. This information is needed to help with the apprehension of the above offender ( s ). I am hoping that this is the avenue to protect me and the civil rights of the law of this land and not allow a supervisor fro synchrony bank make up them as they go along. I have had a total of XXXX accounts that were attempted to open in my name XXXX with synchrony bank and out of those XXXX the only XXXX that were opened were with synchrony bank. With the rise of identity theft it should be up to the companies that open these fraudulent accounts to clean up their mess and not make the VICTIM jump through a hoop to clean it up.
For the last 3 months ( statement dates XXXX XXXX - XXXX XXXX ) my HELOC statements have been showing a past due amount which has been increasing my payment amount due. I have never been late on any of my payments and always sent in more than what was due. When I received the statement for the XX/XX/XXXX payment, it showed I had a past due amount of {$230.00}. I called the bank as I had made the previous months payment on XX/XX/XXXX. The amount due was {$230.00} and I made a payment of {$250.00}. The representative advised that there was a payment sitting in suspense which he would have applied and that I did n't even have to make a payment for XXXX, I told him I still wanted to make a payment in May and he advised that I should make a payment of {$160.00}. I also requested that a payment history be sent to me as I felt my payments were not being applied appropriately. So on XXXX I made the payment through my banks online bill payment for {$250.00}. The following month when I received the XX/XX/XXXX billing statement it showed yet again that I had a past due amount of {$160.00}. I called the bank again and spoke with a XXXX in the bankruptcy department who than transferred me to an XXXX in customer service. XXXX advised me she did n't know what was going on with my account as she did n't understand the payment history and that the bankruptcy department advises how to apply payments. She stated that it looked like I only had a payment due of {$90.00} as there were funds in suspense. XXXX advised that the next statement should show that the account is all squared away. Well I received the XX/XX/XXXX payment statement and it shows again that I have a past due amount of {$190.00} and a finance charge of {$180.00} for a total amount due of {$380.00}. So I pulled out all the statements I have saved to date and wrote down the payment dates and amounts to try and match to the payment history that was sent to me and could not follow how my payments were coming in or being applied. I sent in a payment XX/XX/XXXX for {$200.00} and on XX/XX/XXXX for {$250.00} that I could n't see in the payment history as all the other payments showed an effective date of transaction on the payment history. There are XXXX XX/XX/XXXX transaction dates that show a XXXX tran for a payment of {$160.00} and the other a XXXX  tran for a principal payment of {$85.00}. Also in reviewing the payment history that was sent to me which was from XX/XX/XXXX through XX/XX/XXXX I see that for the months of XXXX & XXXX  payments, the payments spiked to over {$300.00} due which is not in line with the normal payments due. I do understand that my HELOC is not a fixed rate but do n't understand the payments jumping that high for these 2 payment. The other thing I noticed in this history is that only 8 principal payments have been made in the 3 years, where has all the additional money I have been sending been applied? I also see a XXXX tran for F/C and B/R Expenses for {$650.00} on XX/XX/XXXX which was around the time I filed CHXXXX  bankruptcy, was this paid out of a non-recoverable account? My monthly payments to your bank are paid outside of the CHXXXX plan.
Hello XXXX, I 'm writing today because i 'm having issues with Fedloan servicing reporting two student loan accounts to my XXXX and XXXX  Credit reports. Fed Loans is reporting that i am 180 Days past due for a balance of {$0.00} dollars. My only student Loans have been paid off with no missed payments and were managed by XXXX these two phantom accounts with incorrect and incomplete information is damaging to my overall good credit and needs to be removed.