WillisBack/dataset-financial-user-claim huggingface dataset:
Obtained 2nd mortgage ( No Doc ) via CitiMortgage in XXXX We requested $ XXXX, but broker up sold us to $ XXXX at 6.5 % and convinced us of its advantages due to our excellent credit During recession, second mortgage payment became unaffordable. 
Initiated modification process in XXXX Have submitted all docs upon request and resubmitted repeatedly after continued loss of docs by CitiMortgage. This process has continued for 9 YEARS and CitiMortgage still has not offered any solution. 
We have retained the services of 3 different law firms to represent us ( since communications with Citi turned out to be impossible, attorneys had given up ) We  have been through over 70 CitiMortgage representatives over the years promising a quick modification resolution ( all records and emails available upon request ). 
Settlement ( as requested ) finally offered by CitiMortgage ( via email ) in XXXX. Our attorneys immediately followed up to discuss, but again - NO RESPONSE from CitiMortgage. 
Presently, situation remains unchanged ( of course, they are continuing to ask for updated docs ) We feel CitiMortgage has stalled for 9 years waiting for house values to rise in XXXX XXXX. 
As a result of the above, we feel Citimortgage has not done business in good faith, as prescribed by law.
I was on the Southwest Airlines web site and was going to book some air. An ad pops up from Chase cards that if I apply for their Southwest credit card I could get XXXX bonus miles. So I applied for their card. While trying to book air I get another message that says I will get a {$100.00} credit for booking the air with their credit card. I could n't book with their credit card since I had just applied for the card and did n't have the information needed to book using their card. So I stopped trying to book and called Chase to see if I could get the credit card information. I had to talk to someone to get the application approved. It was approved but I could n't get the information that I needed to get the air booked. They expedited the card to me but since it was a holiday weekend it took 5 days to get it to me. I got the card and was able to book the air but I saw nothing anymore about the {$100.00} credit or the XXXX bonus miles. I called today to see what the story was and was told that there were XXXX offers that I saw and I could n't combine them. If those offers show up in the same day on the same transaction I would think that they should be combined. I feel this is a bait and switch tactic.
I have had the same problem occur for the last  two  months. Collection agency  XXXX   XXXX  has repeatedly added an account on my credit report with incorrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for   XXXX   and Transunion. Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureaus and  XXXX   XXXX  concerning this issue and they are unwilling to fix the problem. This account has been removed and should not be added every month.
My homeowners insurance with XXXX XXXX is due XX/XX/2019. XXXX has already sent the new policy and an invoice to Roundpoint, and Roundpoint has not responded. I have twice emailed the new policy to Roundpoint as well.

The online chat for Roundpoint has not been operational for the past few days ( including today ) so you can't get a hold of anyone. I need this homeowners insurance paid by XX/XX/2019. There is plenty of money in the escrow account. 

I also noticed that Roundpoint just settled a class action lawsuit for lender-placed insurance.
I applied and received a modification with Greentree with an interest rate of 2 %. My loan was sold (? ) to Diitech who is NOT honoring Greentree 's modification, and has offered a modification with 5.75 % rate.
On XX/XX/2015 XXXX XXXX XXXXXXXX CT-XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
XXXX XXXX XXXX HAVE INSERTED A COLLECTION ACCOUNT IN THE AMOUNT OF {$390.00} AS OF XX/XX/2018. THIS ACCOUNT DOES NOT BELONG TO ME AND IS A RESULT OF IDENTITY THEFT. XXXX IS REPRESENTING XXXX XXXX XXXX   WHO IVE NEVER HAD ANY OBILIGATION TO PAY NOR HAVE I EVER HAD ANY DEALING WITH XXXX OR WITH XXXX XXXX XXXX SO HOW IN THE HECK COULD I POSSIBLE OWE EITHER ANY MONIES. I HAVE NEVER HEARD OF EITHER COMPANY UNTIL MY REPORT WAS REVIEWED. XXXX NEVER EVEN SENT A NOTICE TO LET ME KNOW THAT THIS ACCOUNT WAS BEING INSERTED INTO MY CREDIT FILE OR LET ME KNOW THAT I HAD A RIGHT TO DISPUTE BEFORE IT WAS INSERTED. XXXX HAS VIOLATED THE LAW. I HAVE NEVER EVEN SIGNED ANY FORMS TO RELEASE ANY MEDICAL INFORMATION TO ANY COMPANY AS THIS IS NOW A VIOLATION OF HIPPA. XXXX HAS NOT SIGNED CONTRACT OR LEGAL DOCUMENT BEARING MY SIGNATURE THAT THIS ACCOUNT IS MINE.
I have made several disputes with Experian regarding my credit report. Every time I attempt to dispute information about the following XXXX Account Numbers : XXXX and XXXX, Experian does n't allow me to dispute them. I have also requested status update on when the information will be removed from my credit report and Experian never provides an answer.
Can you help me or tell me who I can contact for help? My husband andI are 3 months behind in our mortgage payments to OCWEN. Wecontacted them for a loan modification. Yesterday we received a trialperiod modification that expires in 8 days. We were told what our newpayments would be, which are only {$40.00} less than our current paymentsare but they did not give us any other information about the terms of themodification. We were supposed to approve these new terms blindly in8 days ( by XXXX XXXX ) without any idea of what the new terms would be. 
Are they supposed to give us the written terms with the trial paymentletter? Because they did n't. 
My husband called OCWEN yesterday evening and asked about theterms of the modification. OCWEN said that we would have the sameinterest rate but they were going to add another 13 years to our loan tomake it a 40 year loan. The new payment would be {$1300.00}. For a {$40.00} reduction in monthly payment, we would have to pay an extra 13years of mortgage payments at {$1300.00} per month, or {$15000.00} peryear, totaling {$200000.00} in extra payments to reduce our mortgagepayment {$40.00} per month! Our outstanding loan is only {$140000.00}. 
Is this legal? Can they really consider that to be assistance? They'renot helping us, they are helping themselves. I think they want toforeclose on our house because we have equity. They are telling usthis is our only option. When we asked about the XXXX insettlement funds, we got the run around. We were told that we weren'tflagged for that money and that money was used for people who hadalready been foreclosed upon. I told her that was untrue, that only aportion of that went to people who were foreclosed already and that therest was earmarked for current customers underwater and/or havingdifficulties. She continued to give me the run around and was n't beinghelpful at all. When I finally asked for a supervisor, she put me on holdfor so long that I finally hung up. She never called back. I 'm sure sheleft me on hold to intentionally avoid discussing the settlement fundswith me. 
Is there anybody who can help us? 
Thank you
I had an old dept. and a collection company bought the dept., I challenged them with a letter in accordance to fair credit Act which they had 30 days to respond under federal law and they had to remove it from my credit reports. They have not removed it and they have not responded. I tried contacting them but they are very rude and no resolve.
I secured a loan with Dependable Credit on XXXX/XXXX/15 and began having trouble with the car immediately. I spent over {$2000.00} on repairs in the 1st month of owning the car, but because it had over XXXX miles I was not able to return it due to lemon laws. 

Feeling stuck and with a credit company that is relentless and unbending and unwilling to make any concessions. I worked hard not to damage my credit but they would n't approve a deferment or anything. Always threatening to repossess the Acura MDX, even though I was n't more than a few days late. 

Finally I had enough I went to another dealership and wanted to trade in the car for a smaller car a Nissan Altima just to get away from this company. To add insult to injury the representative from Dependable Credit, was charging me an interest rate that we never agreed to and then provided the new dealership with false info for my pay out. When confronted with the details I advised here to please send the corrected info, she refused advised that she needed to keep my business. I advised her that not up to her and I no longer wanted to do any business with her anymore and to please provide the correct details. This business practice is unfair and must be illegal this company should be investigated. They reported to the dealership that I owe XXXX on the loan which is the original amount of the loan itself. Then sent me an invoice for XXXX - and had a payment from me that made even this amount lower. They wont release me or allow me to pay off this loan.
I was billed by XXXX XXXX XXXX XXXX  for 2 tests on XX/XX/XXXX prior to XXXX XXXX. Medicare did not pay for them per summary notice datedXX/XX/XXXX and I was responsible. I submitted an appeal on XX/XX/XXXXwith medicare. I followed up with them several times, finally they issued an adjusted summary notice on XX/XX/XXXX stating I am not responsible for these charges. I informed Financial Corporation of America verbally in XX/XX/XXXX. When I received another letter datedXX/XX/XXXX from them I emailed a copy of the adjusted summary notice from Medicare which showed I was not responsible. Today XX/XX/XXXX I received another collection notice from them.
My bank ( Wells Fargo ) placed a 7 business day hold on a large check from my real estate broker I have been with for 6 years. The check was from a XXXX XXXX XXXX account. This check should have cleared and funds verified in XXXX3 days max. The check was deposited on a Friday, so the total hold time was 12 calendar days. The regulations for deposit holds needs to be modified/improved to keep up with the new ACH changes. My money was held hostage by my Wells Fargo - there can be only XXXX reason can be that they could use that money.
Previously had a loan with Wells Fargo Dealer Services. Due to unexplained, exaggerated, and unnecessary fees and charges, I elected to service through another institution. I no longer have a loan with this bank. It was bought out two weeks ago. 
Wells Fargo Dealer services continues to call and harass, nevertheless. They will not take incoming calls, leaving instead a very untruthful statement about the effects of hurricane XXXX on their call center. 
They refuse to stop calling and this must stop. Wells Fargo has a well documented history of very unsavory and unethical practices. Why are they continued to be allowed?
cra violation sent the police report and idtheft gov inaccurate information on my credit costing me my life and consumer billion of dollars XXXX  breach has caused all this
Contacted XXXX XXXX in XX/XX/XXXX about loan consolidation. They sent me to Nelnet. At that time Nelnet put  me into an IBR ( Income Based Repayment ). The loan originated on XX/XX/XXXX in the amount of {$56000.00} ( 2 loans totaling this amount ). They also indicated I qualified for a 10 year loan forgiveness program. I made {$71.00} monthly payments from XX/XX/XXXX through XX/XX/XXXX. Have not made a payment since. Now per online dialogue with a Nelnet service rep, i'm in a 25 year loan forgiveness program. However, the accrued interest on the loans is now totaling {$11000.00}. This is causing issues as we apply for other kinds of loans. We would like to purchase a house in the near future but this credit score situation is a huge hindrance. We would like to get an answer as to why we went from a 10 year to a 25 year forgiveness. Also, it's a huge weight on my shoulders not knowing what will happen with this loan in the next 2 decades. We would like to have a solid answer as to what the plan is going forward.
My mortgage company is Wells Fargo Home Mortgage. I was late in paying my monthly but when I caught up they refused to take my money saying it was n't in the full amount owed. But I kept paying my monthly mortgage. Then I received an letter and later an email asking me to get into a loan modification to pay a lower monthly mortgage, which I denied. Then I received an email congratulating me saying I was accepted in loan modification program. I replied to email stating I never agreed to being in modification program. My monthly mortgage was {$540.00}. I do n't know why they charged me {$1100.00} but when I called to make a payment on XX/XX/2017 this is the amount I was told to pay. I 've called to be switched around to numerous Wells Fargo reps from Escrow to Insurance because this is where the problems lies. I called to make my XX/XX/XXXX payment and now they raised my payments to {$1000.00}. I never received a letter telling me they were raising my monthly payments nor did I agree to this amount. I spoke to a rep on XX/XX/2017 and he stated it was because of my property tax, which is not true because I 'm in the LOOP program for XXXX residents long-time homeowners. Then rep said it was due to homeowners insurance which went up and my prior home owners insurance they paid 3 times within a year depleting my escrow monies. They asked no questions when XXXX kept sending them payments. I was aware I paid a one time fee to an insurance company not recurring bills throughout the year. The rep also stated he could lower my payments to {$890.00} or stretch it out through the 12 months. He also stated I should 've been charged the {$1000.00} on XX/XX/2017. When I called back on XX/XX/2017 I was again switched around to numerous reps, hung-up on but no one was helping my get to a resolution to lower my payments. They kept telling an appraisal would be done on my mortgage in XX/XX/XXXX and my XX/XX/XXXX bill may be lowered. Can you help me with assistance in getting my monthly mortgage lowered or send me to someone who can? Thanking you in advance for your assistance in this matter.
I have had NUMEROUS calls from my mortgage company, Wells Fargo whom I 've been a good loyal paying customer with for over 10 yrs. I got laid off from my job that I had when I applied for the loan. Shortly afterwards my husband passed away. I 've struggled ever since then. Wells Fargo  knows all this, I called to let them know. I got behind on some payments last year but got caught up. They did nothing but harass me the whole time but I let it go. I got behind  1  payment in  XXXX  last year and again they 're harassing me by phone because I 'm still behind. I 've had numerous calls from them day and night and while at work. I work with the  XXXX  in their homes and I was getting calls from them in front of my clients. I got approx.160 calIs since  XXXX . I do n't have exact number of calls but I do have phone records since  XXXX   XXXX  of this year, which I can definitely say I 've ha d 28 c alls since then. This has been going on for almo st 6 mo. B efore all this happened to me I never ever missed a payment. Also I 've been making over and above the normal payment to get caught up and I told them that but they wo n't stop harassing me. I can provide proof of harassing calls and proof that I 've paid extra to get caught up, upon request.
On XX/XX/XXXX at XXXX XXXX I contacted the corporate offices of Santander Consumer USA. I was about to pay off my vehicle but due to poor health and mismanagement accrued nearly {$1900.00} in late fees. I asked for any amount to be waived. The board of directors was gracious enough to waive {$500.00} within a few days. I called numerous times to thank them and even emailed them. I called and asked On numerous occasions during the month of XX/XX/XXXX is I had to pay the late fees and what would happen. 

All of the representatives I spoke stated that there was no regular payment required, I could pay them at a later time and that all that would happen would be is that they would keep my title until the late fees were paid. I also used the contact feature on their webpage to tell them not to charge me a late fee on a late fee. Santander was still showing that I had my regular car payment due even though I had paid all principal and interest. 

XX/XX/XXXX we received a bill for {$.00} which we paid. On XX/XX/XXXX I began to receive notices from XXXX XXXX that Santander was placing 30 day late notices on my credit report. I thought for sure it was an error because the car was paid off so I just disputed it. My credit rating dropped 70 points almost disqualifying me from a business loan I am trying to take out for a veteran owned business. A new 30 day late was posted on my credit. I called Santander and emailed and sent messages through XXXX wondering what they were doing. For days they strung me along saying they would get back to me. 

On XX/XX/XXXX at XXXX I was contacted by XXXX XXXX who began angling the conversation to the point that I was not told by the agents that I didn't have to keep paying my late fees like my regular payments ( which I was ), that it was my fault this was happening ( yes the late fees but not the hit on my credit ). XXXX brow beat me by asking the same questions over and over like the detectives I used to work with, trying to get a confession. I gave up and stated to her that I was getting a lawyer for Santander ruining my credit. 

I was sent an acceleration letter for {$0.00}. The letter stated that if I did not give them {$0.00}, they would accelerate my loan or repo my car. Now My XXXX  score dropped 124 points in one day because they closed the account unexpectedly with a balance instead on reaching out. I took the money to pay them out of my life saving so they wouldn't continue to harm my credit.
My sister has removed money from her N.F.C.U. account without her permission or mine. I was wondering why they can not put a hold on the account where she put the money and to take LARGE sums of money without check with me or my mother?? She has removed about {$72000.00} from my mom 's accout without permission and they are saying she has the legal right!!! I will sign any papers you wish to check her accounts like a lawyer would make me sign to check accounts!!
Out of many disputed debts most were taken off after filing an affidavit from the XXXX. I have made two police reports and gave positive names of who might be assumming my identity. However the same 3 accounts are still appearing as derogatory unpaid accounts. They refuse to remove them no matter what I do. My credit score has  increased dramatically but the three derogatory accounts that are not mine still appear and the companies as well as the credit agencies refuse to remove them. Interestingly XXXX  did remove 2 of the 3 where XXXX refuses to remove any of the three. I have proven time again that they are fraudulent and not opened by me. I have a 100 % payment rate on my accounts that I actually applied for. Also under hard inquiries I have not ask or applied for credit in years. Then it says the length of time of my credit report is under 3 years I am XXXX and have purchased a home in 1999 and paid it off. I have had credit since I was XXXX and yet it reflects me as only having credit for less than 3 years.
Through Navient ; they forced me into a forbearance when I was unemployed instead of arranging an income-based payment plan. They made me pay for it and it did n't go against the loan I already owe.
I spoke with a representative on XXXX XXXX, 2016 with Wells Fargo Dealer Services. I was advised of an incorrect fax number to fax over documentation in reference to my Social Security update request. I received a new number from Social Security from the Social Security Administration due to Identity theft/fraud. I later called Wells Fargo and spoke with a representative and I advised I faxed the documents over to the fax number XXXX attention XXXX. The representative I spoke to stated that this was incorrect and I should sent it to XXXX XXXX Department at fax number XXXX. I advised the second rep that I paid {$23.00}. I advised since it was not my fault if there would be any compensation and I was told there was nothing they could do and that I would have to re-fax the documents to them.
A Discover Card rep told me he cancelled a payment pending for two days later, but it was not cancelled. It will cost me {$20.00} to stop payment or a {$35.00} insufficient funds charge.