WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX my wife lost her job and we applied for a HAMP modification for our XXXX loan with Citi Mortgage. After a long and painful process, where documents were continually " lost '' by Citi, we were told to start making lower, " trial '' payments on our home loan. After successfully completing the trial payment series, we were denied a HAMP modification due to our income and/or assets. We had to repay the entire amount due resulting from the trial payments. 

We continued to communicate with Citi Mortgage on this matter for the next two years. We received denial after denial and suggestions that we should submit to foreclosure. Even though we were in much better financial shape, Citi finally agreed to modify our loan after another successful series of " trial '' payments in XX/XX/XXXX. The modification extended the term of the loan from 30 to 40 years and reset the interest rate to the then current market rate for mortgage loans. There was no forgiveness of principal. 

However, unlike with the HAMP application two years earlier, our credit report began to show " missed payments '' corresponding to the required " trial payment '' schedule. We are now completely recovered financially and our credit scores range from XXXX to XXXX. We would like to refinance our mortgage to a 15 year term and take advantage of still low current rates. But despite our high credit scores, those " missed payments '' still appear on the report. Based on the negative credit, lenders will not allow us to refinance. 

This whole mess started in XX/XX/XXXX. If we could get the credit hit moved back to XX/XX/XXXX, they would come off our credit report next year. As it is, it will be XX/XX/XXXX before we can refinance. We only did what Citi told us to do. We made payments in the amounts and on the time frame they required. I have contacted the credit bureaus and they refuse to help. 

Is there any way we can get our credit report to more accurately reflect what really happened with Citi Mortgage?
I was in an open bankruptcy and my mortgage company foreclosed on my property and they did not notify my husband that our property was being foreclosed on. I applied for a loan modification and it was denied. I owe more than my property value and they just want to take my house.
To CFPB, I 'm writing this letter to find out how I can get my money back from a business checking account with Santander in MA. My checking account was closed without reason on XXXX XXXX 2016 and without any notification thru mail, email or telephone prior to that closure. In addition, I tried to called Business Customer department XXXX, who are unable to provide any answers except that the account was closed and that I should visit a branch to find out more info. 

I did visit the Santander branch on XXXX XXXX XXXX in XXXX MA, where I spoke with the Branch Manager named XXXX XXXX. However, after he spent some time investigating what happened to my account, he was unable to provide an answer only except that he saw a note saying that the Santander Compliance Department had closed the account and that it was n't a case of fraud. Thus no official complaint was logged and he was unable to provide further assistance. His email is XXXXXXXXXXXX, XXXX, XXXX ID XXXX. 

Thus I am writing this complaint letter to CFPB as a request to look into why my accounts were closed without notice as required by state and federal law. Second, I request that Santander returned {$5300.00} from # XXXX and {$55.00} from # XXXX as soon as possible as I need those funds for my business. 

Thus, please provide a response to my above requests and provide a check for the amounts requested which was unjustly taken from my account. If the Compliance Department did not close my account, then I would like to register a case of fraud that my account was cleaned out not by me as I was n't at the branch on that day XXXX/XXXX/2016. I have attached a copy of the bank statements in question for your reference. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX
Invested for retirement in a Wells Fargo time account CD XX/XX/2008. I have attached original documentation. Branch manager as well as corporate office have no information/record on this account or where money went. No details about this account other then rolled over XXXX/XXXX/2008. No other record of account.
The issue is that Chase Bank Auto Lender are not following the contract I signed with Chase Bank to lend me money for an auto, XXXX, XXXX, money paid by me is not applied per the contract terms I signed. 
The Chase Bank account1 number is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
We have owned our home for 14 years. We did a refinance a few years ago that promised to pay off our mortgage in a shorter time. The interest rate was 7.65 %. In the mean time the economy tanked in XXXX Oregon where we live and times were difficult. We did get a loan modification but we have tried to refinance to get a lower interest rate. Our mortgage was recently sold to DiTech and we applied for a mortgage to refinance at a rate of about 4 %. They denied us based upon our credit history. They apparently believe we can not make our payments even though our payment history on our mortgage has been spotless for over three years. This is very self-serving of them. We would have saved about {$300.00} per month but instead, because they denied our refinance to a lower rate, we must continue to pay them more. Is this fair? Legal?
Locked out of my account on Coinbase XX/XX/17. Filed ticket with support the same day. Ticket was not responded to until I sent direct message to coinbase support via XXXX on XX/XX/XXXX. No movement since. 3 weeks without access to a substantial sum of money that I would like to withdraw.
UNITED COLLECTION SERV XXXX COUNTY OF XXXX - XXXX XX/XX/2013 {$440.00} {$440.00} is holding information on my credit report that is not mine.
On XX/XX/XXXX a {$16000.00} principle mortgage payment was made bringing our equity over 20 % ( {$99000.00} balance / {$120000.00} Sale Price ). We requested that PMI Fees be removed at that time and was assured by a BB & T representative we would no longer be charged PMI Fees. We have not received a statement since that time and have had difficulty viewing information on the website despite repeated request for assistance logging into our account. When we are able to log in, Statements displaying how payments are applied are not available. On XX/XX/XXXX we spoke to a BB & T representative who informed us PMI fees are still being charged to our account. The representative said PMI Fees will continue to be charged until XX/XX/XXXX. The representative informed us we must obtain an appraisal and request PMI in writing but, could not provide information on how to do this. This amounts to fraud and theft. There is a clear intent to misinform customers and make it very difficult to remove PMI fees in an attempt to defraud BB & T customers.
Someone keeps trying to apply for a chase card in my name and its showing up as a hard inquiry on my report. I called chase and talked to a manager who informed me that it would be removed. The dates for the hard inquires are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2018
On XX/XX/2017, my daughter XXXX 's boyfriend at the time bought her a new car so that she would have transportation to find a decent job. Because he was very young and never had credit he was told that a good way to establish credit was to sign on with Santander bank because that was the only bank who would finance the car. XXXX XXXX then told them that once they made the payments on time for a year, XXXX XXXX would get the initial payments lowered to a more manageable level. The initial payments were set at {$570.00} per month for a XXXX   XXXX priced at {$20000.00} approximately. My daughter agreed to make all the payments and did, on time, for the year. They went back to XXXX XXXX expecting them to honor their word. They didn't. She contacted Santander representatives to see if she could get the payments lowered ... they said no. Meanwhile XXXX is working hard to make these payments on time only to find out that most of the payment was going to interest and not principle. I did some research on Santander bank and found that they had numerous complaints against them, bad reviews, and law suits against them for essentially operating as loan sharks. They need to be stopped so that they don't trap anymore consumers who are desperate.
XXXX XXXX/XXXX  XXXX  listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, Equifax and XXXX. Please remove the 30/60 day late payments from my credit reports.
My father, a XXXX veteran, died in XXXX 2016. I knew he had Suntrust accounts and my goal was to put Suntrust on notice that he was no longer living and to freeze any further checking account activity, especially automatic debits. I went to a local branch of Suntrust with copies of the death certificate ( XXXX in total, all certified copies ). They told me I needed letters of administration identifying me or another person as a representative of his estate in order to freeze his accounts. I told them I found this requirement an unreasonable burden in that no one had presented a will on his behalf yet ( it had only been 2 weeks since he passed away ) and I believe he passed away without a will. In questioning the policy, Suntrust 's consumer complaints ' office said that the copies of the death certificate were not " original '' death certificate. But my copies were certified copies of the death certificate. The local branch would not accept a copy of the death certificate, and Suntrust generally never requested a copy of the death certificate for the investigation of my complaint ( all my copies have official seals ), and the local branch never acknowledged that a death certificate could serve as enough notice to freeze account activity.
My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX  not  XXXX    XXXX   XXXX   XXXX    del  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX   XXXX   XXXX    XXXX   de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  XXXX
The original amount of the bill, per AWA collections agency, is {$160.00}. The total balance due is {$220.00}. They are charging {$55.00} as " interest and fees '' but when I spoke to a representative on the phone, I was told that I was incorrect, and the " interest and fees '' should say " collection fee '' but the amount charged by the medical office ( the original debt ) was only {$30.00}, and that my payments made had gone towards the " collection and fees. '' When I explained that the interest was 40 % of the bill, she argued and said that " there is no interest being charged. '' She also stated that they were not allowed to send bills and receipts. She was adamant about not charging interest, although the bill received ( which is the first bill that I ever received, as my ex-husband was hiding mail ) clearly states " interest and fees. '' I told her that I would only pay the original amount, and I would not be paying interest. She told me that I had to pay the " collection fee '' or else the bill would not be paid in full.
Hello i have also contacted the attorney general before but no resolution was made, this address i used is just temporary my real address is in XXXX my Paypal account was suspended in XXXX 2016, my money got cleared after 180 days i.e in XXXX 2016 but still i have n't got my money, Paypal does n't allow me to add a XXXX bank account neither i can not transfer my money to someones else paypal, i gave them XXXX paypal accounts, but they suspended those accounts also, the resolution was made that i can add a XXXX bank account to withdraw my money, but when i am adding that it is not adding giving me the error that your bank account can not be added try again later, i contacted paypal 1 representative told me to again verify my id and my bank statement, my question is that my shall provide my id, i worked on paypal 1 year and all things were verified, now when there is no relation b/w me and Paypal why should i prove myself again, it 's against the laws in my view, since there is no need for my id now as there is no relation b/w me and paypal, further i do n't have a XXXX bank account as it is common sense that a person living in XXXX how should have a XXXX bank account, so i asked a friend but he told me that XXXX bank charger 15 to 20 % tax, i am a fool that i earned my money through hard work, shipped all my items paid all the taxes here, paying penalties on my loans as paypal has not given my money since 1 year, paypal is just keeping my money and earning interest. 

I want a fair and best resolution that paypal should now give my money or else i will drag them to international court of justice, i am in too much XXXX due to my loans, further noone is giving my his paypal for money transfer as everyone is scared due to the policies, neither do i have too much known people who have paypal. 
I now do n't know any way paypal should give my extra XXXX $ now for taxes if they want me to withdraw in US account, other option is that they can send me money order to XXXX, i dont want any other reply from paypal other than XXXX $ or my money order, that 's it thats my full and final resolution or else i will drag paypal to the courts now
I was trying to get the free annual report from equifax. Their website is not working. Even though they offered to provide service on the government website - XXXX. 


Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : XXXX XXXX XXXX Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric,  water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Download XXXX XXXX Return to Annual Credit Report
Lender is not willing to issue an approval letter which gives the buyer adequate time to close the transaction. Buyer needs 30 days and lender has stated that it will only give 1 week. It is a ridiculous time constraint to close a transaction.
I am a   XXXX   XXXX   and new to credit, I was unaware the filing for credit actually hurt your credit. As I was searching for vehicles to purchase I was applying to see who could give me the best rate. Now I can not get approved for anything, apartments, school, etc. I tried to contact  XXXX  of the  XXXX  credit bureous to have the credit inquires removed, the representative I spoke to was extremely unhelpful and seemed very unknowledgable about the company polices. I am impacted greatly by this simple mistake and I feel like I am a victim.
I purchased a car for my then husband in XXXX XXXX that was financed through Santander. In XXXX XXXX when our divorced was finalized, our divorce decree stated he was responsible for all payments on the vehicle. This was forwarded to Santander who stated they could not honor the divorce decree and the loan was still my responsibility. My ex husband continued to make payments sporadically then decided he no longer wanted the car. I tried to continue the payments on them but just could not financially afford to. The vehicle was voluntarily surrendered to Santander in XXXX XXXX. They have sold the vehicle since and reported the unpaid balance as a charge off/repo. However they are also reporting it monthly as a late payment. If the loan has been charged off, why are they continuing to report a late payment monthly.
OnXX/XX/XXXX I was told that to obtain a 2nd mortgage on my home I needed a letter of retirement for the title of our double wide mobile home. I called Huntington Bank that was listed on our mortgage and was told they didnt have access to mortgage paperwork. I was given Huntington Customer service number XXXX  to request the letter and was told that he would submit my request and we would receive it in the mail. I waited a week and called again to see if they had located the letter and was told that it is still being processed. While waiting I ask a friend who is an attorney to see if he knew how to obtain the letter of retirerment and he requested it through the state of representatives office. My attorney said that the title was never retired. I was advised to contact Huntington Bank again because they had done a refinance for us in XX/XX/XXXX so they should have the title and they could retire it and get us the letter. I have been going back and forth with Huntington and they say they dont require this letter when they do a mobile home loan, they tell us they dont have the titles and that it is our responsibility to get them. Because of Huntington Bank refusing to help us or listen to us we can not get a 2nd mortgage, we can not sell our house or even make arrangements to go into a nursing home because all the Banks and Credit Unions we have spoken to explain to us that without this Letter of Retirement they can not give us a loan. Please help us, my husband is XXXX and I am XXXX and not in good health. This stress is hard on us. I spoke to XXXX XXXX and they verified the titles were never retirered and that they are in the name of XXXX XXXX that is now Huntington Bank. I was given the form ( MV38L ) needed to get duplicate titles so I can have them retired but XXXX XXXX will not issue them to me because we have a lien on it through Huntington Bank. I spoke to XXXX XXXX in the Executive office who said they do not need the titles so it is up to me to get them. Huntington Bank also put Riders on our mortgage that do not in any way pertain to our property. They added a PUD rider and a Condo rider. I asked about that and they said they would see about taking them off because that would just cause questions if we are ever able to sell our home. I was told I would of paid for those but I am unskilled at finding that out. My last conversation with XXXX  was today and she told me that I had to contact XXXX XXXX at XXXX XXXX XXXX  ( XXXX to see if they can help me.
My home purchase closed   XXXX   XXXX   XXXX    , with the first payment due   XXXX   XXXX  . My mortgage lender sold the loan to LoanCare , LLC for servicing. My lender tole me I would receive paperwork from  the servicing company a nd not to worry if there were " a little slow '' because I would n't be charged a late payment. Having received nothing by   XXXX   XXXX  , I contacted my lender, who tole me the correct payment amount and emailed me a copy of the notice of assignment. He recommended calling the company to verify the address to send payments. On   XXXX   XXXX  , still having received nothing fro m LoanCare, I called the number on the notice of assignment. The automated answer system a  sked for my account number, so I entered the loan number on the notice of assignment and was informed that was not a valid account number. I was able to continue by entering my SSN instead. I   was treated to an extensive automated run-around that lasted nearly 10 minutes. It finally gave me an option to speak to a live person, and when I punched that number on my phone, the system cut me off. I tried calling back and was cut off much earlier in the run-around. The phone system had informed me of a web address for LoanCare, so I tried th at next. The website also informed me that my loan number was incorrect, and it did not offer an alternative os using my SSB, so I could not proceed. I had no choice but to send my payment to the address on the notice of assignment and hope for the best. I included a somewhat tart letter outlining my significantly negative experience and suggesting the least the company could do would be to inform me of my correct loan/account number. They cashed my check but I have received no communication whatsoever. On   XXXX   XXXX   XXXX    , I again contacted my lender asking where I could file a complaint.
Chase Bank sent these two letters in an attempt to verify two charge offs on my CR. These are not my accounts and I DID NOT REQUEST A FRAUD INVESTIGATION FROM chase bank. ( See attachments ). Chase bank on this website stated they were not contacting me on my issue anymore however they are sending letters implying that Im requesting a fraud inquiry. I have Not contacted chase bank since XXXX by certified letter requesting removal of the charge offs. Since that time chase bank has performed unrequested inquires and fraud investigations without my approval attempting to verify a debt thats not mine. The 3 CRAs are simply parroting inaccurate unverified information from chase bank. Now I feel like Im being harassed by chase bank who will not comply with the guidelines of the FCRA in reference to inaccurate unverified information placed on consumers CRs.
Bank of America mistakenly retained {$3700.00} through an erroneous merchant service transaction with my business. Although they acknowledge that they have this money that does not belong to them, and that it was a mistake they should have caught, they are refusing to give me my money back.
My credit report shows hat the account was in arrears on XX/XX/XXXX to XX/XX/XXXX, for 30, 60 and 90 days respectively. This is inaccurate, and this should be removed from my credit report/ need a trade line deletion.
When meeting with a Consumer lawyer for another matter, the subject of online installment loans came up as being illegal in the state of Virginia. In order to charge usury rates of more than 12 % the lender has to be licensed in Virginia. If their name is not this list, XXXX, then they are not allowed to charge more than 12 %. Virginia law 6.2-306 states that a person can not waive away the rights to the usury laws of their state. Since, the contract is illegal it is not binding. I was told to revoke their ACH rights and to cease payments immediately. At that time I had already paid XXXX for a loan of XXXX. I have paid back their principal and the 12 % interest. I was told that due to this breach of the law that under Virginia Code .2-1541. A. Unlawful contracts void ; recovery of amounts paid. B. The lender on any loan for which a person has taken any action in its making or collection in violation of 6.2-1501 shall not collect, receive, or retain any principal, interest, or charges whatsoever with respect to the loan, and any principal or interest paid on the loan shall be recoverable by the person by or for whom payment was made. 

While I do appreciate the loan i do not appreciate the fact that they take advantage of the financial needs of people they deemed easy prey. We believe what they write and assume that it is legal. I guess they are banking on the ignorance of their borrower. 

They like to respond that they are licensed to lend money in Virginia. However, they fail to address the fact that no one at the Bureau of Financial Institutions for Virginia can find that proof. 

While they may be able to lend to Virginians it should be done legally. They are not a bank, therefore they may not export deregulation from my home state or preempt my home state protections.