WillisBack/dataset-financial-user-claim huggingface dataset:
I had originally gone to a XXXX ( XXXX XXXX XXXX XXXX XXXX ) for financial counseling with the goal of reducing my interest rate on my mortgage. Their suggestion was to assist me with a modification application. I found out several months later that there were far more effective ways to reduce my interest rate ( potentially a streamline refinance ). Furthermore the modification, while approved, was terminated as a consequence of my lack of financial hardship. Before applying, I had actively stated to my servicer as well as the counseling agency, that I did not have a financial hardship. The goal was strictly to reduce my interest rate. Now, my sister is very ill, and I have been traveling back and forth from my home in XXXX, to her home in XXXX. During this time, I was unaware that the modification had been terminated, and the monthly payments I had made were not the appropriate amount. Consequently, the delinquency started to have a negative impact on my credit and prevented me from more appropriate refinance options. XXXX, seeing the error had attempted to work with CHASE directly to no effect. However, this continued to drag out a timely resolution to this process. By XXXX, I had started again to work with chase directly. I had requested a payoff amount through XXXX XXXX from the escalation department in XXXX. During this time, a XXXX form the Executive Office, reviewed my situation, saw the problem and suggested that there may be a solution to accomplish the goal of the reduced interest rate ( suggesting modification or refinance ). However, I said that I may be interested but still requested the payoff. For the next several months I received letters stating to be patient and that research was being conducted. After growing impatient and concerned about accumulating interest, I had contacted them back to follow up in XX/XX/XXXX. Apparently the research was being conducted but they submitted a new request for a payoff. My family, increasingly concerned about my housing stability, felt compelled to lend me money to exit this situation. 

At this point, chase has drawn their line in the sand about the interpretation of events, and I am in a position where litigation would become too costly to resolve what for some people, would be a minor issue. However, I am on a fixed income, and the potential $ XXXX-XXXX in interest accumulation that would have occurred during these times, are the difference between me being able to cover the annual expenses on my home. Further more, my credit shows significant delinquency over the last several months while this situation was being resolved. I have gone from being able to borrow in the event of an emergency to being unable to borrow anything ( Fico XXXX of XXXX to Fico XXXX of XXXX ). The good will from my family has been exhausted and these errors have eroded my stability.
I purchased a domain name from Google on XX/XX/XXXX, Immediately after making the purchase, I realizes that I needed to purchase a different name, So I tried cancelling it. However, the cancellation option was greyed out with a message at the bottom that reads that cancellation will be allowed after five days from purchase date. On XX/XX/XXXX, funds were debited from my account for {$12.00} which equates to 1yrs domain registration and another {$100.00} which equates to another 9 yrs. of registration. In sum, a total of {$120.00} was debited from the account for 10 yrs. of domain name registration. On the 5th day, on XX/XX/XXXX, I cancelled the registration so that I can get a refund and purchase a different name. Today XX/XX/XXXX, I contacted Google support through the chat system as there is no phone number to contact them. I chatted with a customer representative support to inquire about the status of my refund ( shots of conversation are attached ). To my surprise I was told that the {$120.00} would not be refunded and that I would have to pay {$100.00} dollars to reactivate the domain name that I initially purchased because it was cancelled. I was told that there was no option for customers to request a refund online and that there was no telephone number to call in. I explained that I cancelled the purchase on the 5th day of purchase as stated in the website because the cancellation option was grayed out. The representative replied that the cancellation option would only cancel the domain registration and that I would have to pay {$100.00} if I wish to reactivate the domain name. I asked how to request a refund. I was told that a refund can no longer be processed because it is passed the 5 days. And that there is no option to process refund online. I explained that the refund policy does not mention that refund can not be processed online. And I find it misleading and somewhat ripped off that Google Domain does not want to refund my {$120.00} when the refund policy does not disclose essential information such as refund can not be initiated online and that consumers would need to contact google support to initiate a refund within 5 days of purchase. And it is even more concerning that the " domain cancellation/deletion '' feature would only cancel the purchase of the domain but does not initiate the refund process. I was told by a representative and a manager ( please see shots of conversation attached ) that the policy does state that a refund can not be initiated online and that the cancellation option that is on there will not grant you a refund However, the company does not want to provide me with that document as I have been reaching out to them several times via emails these past months but my emails were ignored. The company does not have a contact number so I had to request to be called back and I have not heard back from them.
On XXXX/XXXX/2016 I requested XXXX and its XXXX.to review my file and consider a resolution through a complaint I file on above mentioned date. I am now employed and have established myself again and I am able to retain my home. My complaint ID is XXXX. The reason for my default has to do with the loss of my job. XXXX XXXX was consistently informed of the progress I have made. 
We are in foreclosure and looking for a sale day. I am want to retain my home for us and our XXXX children. Please I have now send another package to the new servicing co by th e name of XXXX. I have also done a forensic review of my file and found discrepancy 's. I am attaching it for your review. I need to keep my home I would appreciate a quick response.
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!
I 'm filling a second complaint in regards to the situation as NOTHING was resolved the first time. I previously was with the cell provider XXXX and switched to XXXX, When I made a visit to the XXXX store ( XXXX XXXX ) to see what offers they had to potentially make the change to go with XXXX- What they told me sounded very nice and made it what I thought was going to be an affordable switch! They promised {$650.00} to go towards paying off what I would owe XXXX if I left them. They said I would receive this in the form of a gift card within a couple of months. Out of the {$650.00} I was promised I received approx. {$120.00} Gift card! NOT {$650.00} The stores tactics to get you to switch over are deceitful and dishonest! I tried talking to a representative in the store directly which was no help at all. Now im receiving a large phone bill from them- I ended up switching to XXXX because I refuse to go with a company that has done nothing but like from the very start! in My former complaint they responded by saying they sent me a gift card, however what they failed to mention is that the gift card was about {$120.00}!!! very unethical and deceiving!
I set up a payment agreement for {$50.00} a month in XX/XX/XXXX and the very first direct debit from my account was for {$100.00}. I called them and they claimed it was an error and refunded {$50.00} to my account. XX/XX/XXXX I noticed two separate charges for {$50.00} from the company and called to find out what happened and they claimed error again. I did not have them reverse the charge but rather said I would not like to be debited any more but rather to mail me a bill. I have since received numerous phone calls about making a payment and the company refuses to accept responsibility for fraudulently charging me.
I asked for balance of payoff and paid the amount company said I owed. I received a letter confirming payoff but two months later was notified that I still owed a payment. I disputed the amount owed both by phone calls and by registered mail. My only response for two years has been that I owe the " last '' payment. They have now turned me over to collections. 
If I agree to last payment they said I still would owe hundreds of dollars in fees and interest. 
What is my recourse?
Equifax is reporting a delinquent account from a collection agency called XXXX XXXX for a medical bill with XXXX XXXX XXXX for {$60.00}. I paid this bill in full with the collection agency on XX/XX/18 at which time they sent me a letter stating they requested all credit reporting agencies delete the account from their records. This debt was removed by XXXX  and XXXX  the following week. I have already disputed this debt with Equifax and they refuse to remove this account and to make matters worse it still shows delinquent.
XX/XX/XXXX : my brother contacted me in re : to a letter he received from Navient stating that they were trying to get in touch with me re : my student loans. XX/XX/XXXX : My employer received the same letter XX/XX/XXXX : My coworker received the same letter Not only is my family now involved, I now have My Boss and a Coworker wondering why they are getting student loan letters on my behalf. I logged online to show my boss that my past due balance was only {$210.00} and my intention was to pay with our next pay period. He was upset that he had to have this conversation with me to begin with not to mention its all because of {$210.00} too. My coworker had to then explain to my boss and her husband not knowing how she got involved and how did Navient even get her home address? I looked all over their website, in my profile page and nowhere is it listed that I have provided this information. I feel this is harassment. This could cost me my job which then they will never get paid. I do n't like having to explain not only to family but to the people I work daily with that my Mortgage and Child Care expenses come first and that if I am 1-2mo behind on Student Loans that they should not be sending letters to everyone who knows me. its embarrassing and unnecessary. I understand if I was severely past due but even then follow the proper route ; certified mail or something. But all of this for {$210.00} is harassment.
did not remove these fraudulent inquiries : XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXXXXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank
Our mortgage loan has been with U.S Bank Home Mortgage since XX/XX/XXXX. We refinanced in XX/XX/XXXX. Upon the execution of the closing documents, I requested that the late fee be corrected on my mortgage Note to the applicable North Carolina requirement : NC Gen Stat 24-10.1, 24-8 ( a ), 24-9 ( b ) reflecting a loan amount less than {$300000.00} should have a late charge of 4 % ( over 300k would be 5 % ) At the closing U. S Bank stated they were aware of the problem, and were working on a solution. This is an easy fix to their U.S. Bank mortgage origination system.. I closed the transaction on good faith of U.S. Bank stating as soon as they fixed the problem they would notify me and provide proof the late fee % was fixed on my mortgage. 
It has now going on 14 months and no resolution. 
If a late payment after the XXXX of the month was made, U.S. Bank is collecting a 5 % late fee on loans under XXXX, this is over collecting of late fees. How many Borrowers is U.S.Bank collecting inaccurate late fees in the state of North Carolina, including myself. 
This is an unacceptable practice and this needs to be corrected to match the state statute. 
If there are inaccurate late fees collected, we all deserve a refund of inaccurate mortgage late fees. I believe I have had inaccurate late fees collected over the last 9 years.
Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly 4 years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week
This letter is in response a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX claiming I owe them {$100.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXX XXXX XXXX this amount.
I was a Wells Fargo customer for over 25 years. I have always had direct deposit from my employer. On my last payday XXXX XXXX I had made a car payment of approx. {$370.00} and my Cell phone payment of {$240.00}. When I went to the bank to withdraw some money I was told that my account was being closed due to a business decision that was made by Wells Fargo and that any checks or debits would be returned by the bank. They never notified me of this either by email, phone call or a letter. 
Now I have a car payment that was rejected and a cell phone disconnection and my water utility bill was returned as well. Each of the XXXX vendors are charging me a returned check charge a late fee and a reconnection fee due to their bad business decision. After 25 years of banking with them. This is unfair to me the consumer and they need to be held accountable to make my returned payments whole and send a letter of explanation to all of XXXX vendors and compensate me for their bad decision.
On XX/XX/XXXX, I was told by my lender, Loan Depot, that I was approved for Loan Mitigation and I would be receiving a statement with a lower payment. 
About a week later I received a letter form loan Depot denying my mitigation due to not being with them for 12 months. 
I then contacted XXXX XXXX from XXXX XXXX XXXX, filled out there papers on line and sent them {$1000.00} on XX/XX/XXXX to fix this problem. I continued to get calls from Loan Depot and they heard nothing from XXXX. I realized it was a scam and did not pay them further. 
I called Loan Depot and explained what happened and we trued loan mitigation again. They would not accept any payments from me unless they were to pay the past due in full which was already {$7000.00}. 
I again was denied mitigated payment due to not being with Loan Depot for 12 months. 
I began a new process with XXXX XXXX XXXX XXXX her in Indiana. They have been tryin to help for over a year. 
I received a call about a month ago from the VA guarantor and they advised me they can not get any response from XXXX/Loan Depot concerning my loan. They have agreed to waive the 12 month requirement, but XXXX/Loan Depot will not respond the the VA. I was told by XXXX, that this is an ongoing problem with XXXX/Loan Depot. 
Now my house is going to Sheriff sale XX/XX/XXXX and I will have to file Bankruptcy. I do not believe that I have been treated fairly or justly from Loan Depot/XXXX.
There is a known issue with XXXX XXXX concerning three ( 3 ) hard inquiries on my credit report from XXXX XXXX XXXX through Synchrony Bank. I contacted Synchrony Bank, the associate that answered stated this is a known issue and that others have called in stating it has happened to them as well. The associate advised me to reach out to XXXX XXXX to dispute it, however, there is no contact number. These three ( 3 ) hard inquiries dropped my credit score by XXXX points. I did NOT apply for any airline credit cards. I need help with this please. On the app it states that one will drop off at the end of XXXX and the other will drop off in XXXX. I have been working on repairing my credit over the past four ( 4 ) years and it was rising steadily, till this happened. 
Thank you
American Express XXXX XXXX XXXX Account online. I applied, provided the requested personal information, then there is a message that says " we will contact you for further information ''. I have not been contacted. Why is American Express asking for my personal information if they are not going to approve online, or provide a confirmation or TELEPHONE NUMBER, or contact me as they said?
I open a credit card account with American Express by following a link from their website. The link included a promotion for {$250.00} if I spent {$1000.00} in 90 days. I called in the morning XX/XX/2015 right after I applied for the card and spoke with male rep who confirmed the {$250.00} bonus and I applied correctly. He also asked if I was going to use the card right away and sent it expedited two day shipping. I spent the required {$1000.00} within 90 days but I never received the {$250.00} credit. 

I called Amex again on XXXX/XXXX/15 and spoke with representative ID : XXXX and was told once again that all conditions met properly for the {$250.00} bonus. I was told they would look into why my bonus did not post. I called again on XXXX/XXXX/15 and was given a case number XXXX. I followed up once again a few days later and was told I would not get the bonus because I had another AMEX card of the same type. I was told this is in the fine print but admittedly I failed to see it. 

If I was not eligible for the bonus I should have been told this the day I applied for the credit card and contacted AMEX customer service to make sure the account was opened correctly for the bonus. AMEX had two more opportunities to correct this but did not. I would not have applied for this card, which effects my credit score or spend the money on this card if I was told the of the conditions by AMEX customer service. Even if I made the error of applying for the card I would not have rushed to spend the {$1000.00} or if I was told I would not get the bonus and would have cancelled the application on XXXX/XXXX/15.
I had disputed multiple items with all XXXX credit bureaus. It did n't even seem like they did investigation since a couple creditors had said I was correct and that it would be removed. So I sent a second letter asking for information on how the investigated it. Still nothing. Sent third letter letting them know they were n't following the laws and asked them to remove the items within 15 days and they are still in reports.
On XX/XX/16, I received collection notification that there was a balance of {$380.00}. I made an attempt to contact the company to dispute the balance due to the fact the benefit amounts were already paid through the insurance company.
In XX/XX/XXXX XXXX XXXX tried to Garnish my accounts. Asked the Court for a request for a hearing as I was never notified of a court proceeding against me for a garnishment to occur. Court denied my request as there no accounts Found Mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX regarding what this was about. Never received a response back from XXXX XXXX In XX/XX/XXXX pulled a Credit Report and saw that I had two public records on my Report 1. XXXX XXXX 2. XXXX XXXX Wrote a letter to XXXX XXXX XXXX inquiring on these accounts on XX/XX/XXXX Received a response back from XXXX XXXX XXXX Date Stamped XX/XX/XXXX Wrote a letter again to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, OH XXXX regarding this matter in XX/XX/XXXX. No response from this Plaintiff In XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX, more like a collection letter stating they are trying to collect a debt. I contacted the number on the paper XXXX and spoke to a " Bill Collection Specialist '' and I inquired as to this debt. I was told they had not filed any suit against me but if I did not pay they would. I gave them the case number and the court and asked for proof of this debt. I also mailed a letter to the address on the letter with the same questions. Never received a response The next time I would receive a response would be from another attorney with Stenger and Stenger who states a judgment has been entered against me and I have 30 days to dispute the validity of the debt and I did so in a letter. The letter from the attorney stated that If you notify us in writing within the same 30 day period that you dispute this debt or any portion of it, we will obtain verification of the debt or a copy of a judgment, if any, and mail it to you. Upon your written request within the same 30 day period, we will provide the name and address of the original creditor, if different from the current creditor. If within the thirty-day period that begins with your receipt of this letter, you send us a written dispute of all or any portion of the debt or request in writing the name and address of the original creditor, we will suspend our efforts to collect the debt until we mail the appropriate information to you. 

The only response I received from that letter was a Motion for Entry of appearance from the same attorneys. Since this was dated XX/XX/XXXX and it was not too long ago I mailed my letter of dispute I did not worry about this letter. 

Then I received a letter from the court that this attorney garnished my bank accounts. Except I do not have any money in the accounts. All the money belonged to my husband from his paychecks and they took his money. 

The final response was a letter from the court that a garnishment was sent to my bank and the bank withdrew all of the money belonging to my husband including the money he placed in the joint account to pay the bills that now the money is gone and the bills are coming through electronically. 
Still no response to my letters. NONE OF THEM