WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to do a short sale for almost a year. The bank seems to think that I can afford the mortgage and they keep forcing me into a modification. I am desperate as I can not afford the mortgage, the bank is being unreasonable and I have had several offers on the property for the current market value, but the bank is trying their hardest to set me and my family up for failure. they are not doing what the government says the lender should to provide alternatives to me as a homeowner. Now they are talking about foreclosing if I do not sign off on a modification. I thought that the bank was supposed to assist me with foreclosure alternatives? If so, they are failing miserably.
Collection Company : Financial Asset Management Systems Inc. 
Website : XXXX Amount : XXXX Date on Notice : XXXX/XXXX/XXXX A company by the name of Financial Asset Management Systems Inc. has sent an order of wage withholding to my employer on a debt that is past the statute of limitations in the state where I reside and the state where the debt was originally incurred. 

I am a resident of Kansas which has a 3 year limit on how long a company can attempt to use legal means to collect a debt. The last payment made on this debt was in XXXX. 

I have informed the company in writing and over the phone of this and also informed them not to call my place of employment. 

They continued to call my place of employment and today I received the notice of wage withholding.
THESE COMPANIES HAVE NOT VALIDATE AND AUTHORIZATION TO PULL MY CREDIT. THERE IS NO SIGNED AUTHORIZATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
As of the date my mortgage was modified, I have made my payments on time. The mortgage company stated my payments were late XXXX 2011 until XXXX 2011. Their reasoning is because my payment was short of the amount required. They paid my taxes. Therefore, the payment increased. However ; they did not notify me under separate cover the payment would increase. I continued paying my required P & I. The amount short was the escrow amount. The error was not discovered until I called to set up additional automatic withdrawals. This error caused a negative reporting to the credit bureaus. A request was made, in writing, to reverse the reporting. They refuse. How can they report an escrow account as being late?
Affected by XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017.
I have a citi double cash credit card that I noticed fraudulent charges XX/XX/XXXX. I immediately notified citi and they cancelled the account and I was told I would receive a new card within a week. I should have received that card around XX/XX/XXXX but never did. I called for an explanation and did not receive one. Since that time the account was not accessible and the balance remained the same, with fraudulent charges and eventually I noticed it was receiving late charges. I called again XX/XX/XXXX and was told the best option would be to pay it so I did, thinking that eventually the issue would be resolved. I sent an email asking for any information and was told to call and confirm my address and that the late fees would be waived. I still have yet to receive any correspondence from citi and my money has not been refunded ( about {$600.00} dollars worth ).
Midland Credit holds several accounts under my name. They have re-aged each of them on my credit file. All of these accounts were first reported delinquent in 2009. Midland Credit has purposely re-aged the accounts to cause them to remain on my credit file for longer than the seven year limit in violation of Federal Law. I sent them a letter listing all these accounts and they have refused to provide me with correct information verifying the debt and date of delinquency. I have listed all of the accounts in a letter that I sent to Midland, attached hereto. They sent me a letter in XXXX saying they needed more information but I only have the information on my credit files.
I opened an account with Fifth third bank, XXXX XXXX, XXXX in XX/XX/2010. When I opened the account, I was told by fifth third bank that this is a free account and I don't have to pay any monthly or annual fee. Things were working great for almost four years. After four years, I moved to small town in XXXX, Where they don't have fifth third bank. Therefore, I had to open an account in different bank. I was trying to close my account and take all my money out, before I move out from XXXX XXXX, XXXX. I called their customer service and they convinced me to keep open the account. It's safe to have two bank accounts. They also confirmed me that there won't be any monthly or annual fee, Since I have been their customer for 4 years. I kept open the account. Last week, I received a call from fifth third bank and they told me I have negative balance on my account. I told them, when I left XXXX XXXX, XXXX, I had approximately {$3000.00} on my account. How could it be negative? They told me, I was being charge their monthly service fee of {$11.00} every months. Two days later, I called their customer service and they hung up my phone three times. Third time, I was able to talk to their supervisor and he said he can only see my account history for last 12 months and there is nothing he can't do refund money. I asked him whether I could talk to their upper management and get this issue resolved. He said he's not going to brought up this issue to upper management. Then he hung up. I'm extremely shocked and disappointed.
XX/XX/2018 trying to purchase gas with the XXXX CARD. It is not working. We are out of state traveling. Called number in back of XXXX card and after automated prompts told to call back during business hours ... do not TELL you the business hours. Most people travel on weekends ... it is summer after all. How can a customer not be able to get gas???? And then not be able to speak with customer service! Deplorable treatment of the customer! I called back again ... went thru the prompts. And tried to report that we were traveling. Again, we were told to call back during regular business hours!!! Which are not provided in the recording! Disgusting!!!
XXXX of our mortgages got transferred over ( again ) to a company called Select Portfolio Services. My husband submitted multiple documents to try and get a loan modification for lower payment. We ended up with a slightly higher payment. In addition, they now require us to pay homeowners insurance and real estate taxes as part of our payment. This is an additional {$300.00} per month. We are still, however, required to pay our insurance to our current insurer as well as our taxes as we usually do. This double payment on both accounts has made us unable to keep up with our mortgage. We were about 4 months behind until we borrowed money. We could afford the regular mortgage payment with no problem, but paying taxes and insurance twice is putting us behind. No one at SPS can give us any answers. We 've been paying this for quite some time.
Closed credit card account with a company called XXXX, paid account in full. XXXX sold off to XXXX Bank, which contacted me years later about closed account, I provided them with receipts showing closed account and payment of XXXX or so dollars. Was contacted in XX/XX/XXXX by collection agency and hounded about XXXX account, informed them that it was paid in XX/XX/XXXX. Was cursed and sworn at by guy at collection center and never heard from them again except by mail, I mailed back forms with dispute. XXXX found out thru Experian that I was given a charge off in XX/XX/XXXX with negative credit report.
I register for school in XXXX. At that time there were XXXX student loans taken. However, on the credit report, they put since XXXX, instead of putting correct information such for this loan. Yes, I did not register for the XXXX, XXXX, XXXX, school years, but that is because I received employment and was going to get a grant from employer to attend school. Then they never notified me of the default, because as I look at the address which they claim the default happened, and this was not where the loans originated.
Now that XXXX has let my personal info out, I went to freeze my credit with the credit bureaus. Experian and XXXX are chaging me {$11.00} and {$10.00}, respectively. This is outrageous! And I will need to pay this every time I want one of their customers to use their credit file to decision me. XXXX even has a waiting period for the unlock to occur! This is unacceptable. I am not going to pay $ 10+ to apply for credit. 
This should be a free service that is paid for by the credit bureaus as a collective. They should be required to develop an app for phones so consumers can quickly and easily unlock credit files or individual companies or all three.
I had filed with a debt forgiveness program call Student Debt Center. I have been in contact with their rep named XXXX XXXX, she informed me there was a {$600.00} one time fee for the services provided. I then payed this amount I was then informed that there would no longer be any payments that would be made due to the fact that I had payed the {$600.00}. Today I XXXX/XXXX/16 I saw a payment to XXXX who has my student loan of {$120.00}. I called and talked to them to find out why my payment was made. I was informed it was because I had auto debit and they had only received the paperwork only yesterday. I then spoke with the rep and told her the situation. She then informed me that the debt forgiveness program was supposed to be a free service and that I needed to file a complaint as soon as possible. She then refered me to this federal branch I was then instructed to file my complain online and contact legal aid which I have done. I would like to have my {$600.00} returned seeing as that there is only XXXX income for my house hold and I have a young baby.
XXXX XXXX XXXXI want to place a complaint against ASC in regards to a loan modification for my subject property located at XXXX XXXX XXXX, XXXX, NY XXXX with a loan # XXXX. The reason for the complaint is due to in-compliance and mis interpretation of my loan modification review. They claim that the investor of my mortgage loan is XXXX, and they do not participate under the HAMP program. If they do not participate under the HAMP program, why was my file being review for a possible HAMP, when they know they do not participate in HAMP and they do not follow the guidelines. I should be reviewed for a Flex Loan Modification in which I know I qualify for, and I have evidence from a Loan Disposition Analysis in which I will attach. I was told I needed to reapply for a loan modification and I did as I placed a Loan Mod Package in XXXX of this year. Upon receiving the Loan Mod Package, they advise I needed it to speak to a " re entry team '' to see if I can be review for a loan mod in which they just informed me to fax a new package, once again, mis interpretation from the servicer. The XXXX entry team after an initial interview, advise me that I can be reviewed for a loan modification and advise me to send the following documentation on XXXX XXXX, and advise me that this will be needed to reactivate the file : - 2 pay stubs for XXXX 2 pay stubs from each company XXXX- 2 most recent bank statements- LOE of rental going up this month- LOE of start date for XXXX- new lease agreementUpon faxing the documentation on XXXX XXXX, I called on XXXX XXXX and they advise me that I need a lot more income that it was presented to reactivate the file, in which after the initial interview, they advise me I can be review for a possible loan mod. I do not understand what is going on with XXXX, I really want to keep my property but they keep mis interpreting my loan, not only causing me to fall behind even more, not allowing me to get a loan mod, in which I 'm ready to start paying back my loan. 
I executed a Loan Disposition Analysis and after a REST Analytical Report, with the use of an NPV Result, I qualify for a Flex Mod, and I 'm able to save my house, my investment that I had worked so hard to keep. 

Please help me come up with a solution with this bank and save my house. I really need your help
In XXXX 2015, I paid in full a medical bill on my husbands behalf. While on the phone, the agent stated there was a second bill and collected as well on that account. In XXXX 2015, I discovered the second bill she collected on was not my husbands. Same name, but different states, different birthdates, and different social security names. I have been trying for over XXXX weeks to get a refund of the money I paid to another individuals bill. I have sent in a copy of my husbands drivers license to prove it is in fact not him, copies of the payments I made, and have made countless attempts to talk to a supervisor. No one will return my calls or let me speak with a supervisor. Not only have they given me demographical information for another individual which violates HIPPA, but have been neglectful to correct a situation that they caused.
Submitted all required documentation to Equifax in order to place a freeze on my minor children 's credit files pursuant to the Economic Growth, Regulatory Relief and Consumer Protection Act, on XX/XX/2018, the documents submitted included : 1 A copy of the minor partys birth certificate showing proof of parentage 2 - A copy of the minor partys social security card which provides sufficient proof of identification 3 A copy of my valid Drivers License which provides sufficient proof of identification 4 A copy of a valid utility bill verifying residence address. 
5 Completed Equifax Minor Freeze Request Form I contacted equifax and they verbally explained that the files were frozen ; however I never received written confirmation with their identification pin numbers. I have spoken with them numerous times only to be disconnected and even told that they arent allowed to place freezes on files for minor children
This collection company for XXXX XXXX card that I 'm behind on my payments I believe it 's called genpact calls at least 10 times a day but where they made their violation is sometimes they call over and over seconds apart and just hang up to harass me and I believe this is after I let XXXX know that I 'm XXXX and that 's why I ca n't talk on the phone and I have no way of reaching them by email. I just do n't think it is funny at all when they keep calling and hanging up repeatedly XXXX at XXXX for example they let it ring once or twice and then hang up, two seconds later they do the same thing and so on and so on. Abusive harassing Behavior that I 'm thinking about suing. I 'm just XXXX and being abused and I would like to put a stop to it
Shellpoint paid XXXX 1st half tax installment in XX/XX/XXXX I paid XXXX 2nd half tax installment in XX/XX/XXXX to allow this to count as an itemized deduction on my federal and state tax return I called Shellpoint mortgage customer service at XXXX Arizona time on XX/XX/XXXX and was told if I paid my tax bill I would have it included in escrow analysis scheduled for XX/XX/XXXX. The call was 6 minutes. 

I paid my XXXX 2nd half installment at XXXXXXXX XXXX Arizona time after getting the information above from the customer service rep at Shellpoint Per the email below, my escrow analysis date has changed to XX/XX/XXXX which means I would be out {$1500.00} for almost a year I had not received any information from Shellpoint even with corresponding with their General Counsel I just received a letter today XX/XX/XXXX that says Shellpoint is re-analyzing my escrow account. There is no commitment to when the escrow analysis will be completed other than the appropriate department will process the escrow analysis.
I purchased two cement trucks and they are being financed by XXXX XXXX XXXX. They are out of XXXX Minnesota XXXX. I fell behind on my payments and advised them i would be getting payments myself to be able to send to them. They chose to recover vehicles and refused to accept payment which was scheduled for XX/XX/18. The collection agent XXXX XXXX  has belittled me by saying i am an embarassment. I also have spoken to his assistan XXXX  and she does similar actions by screaming at me over the phone. I humbly do not disagree i have paid them late probably every month but i do catch up by paying two even three payments at a time. On the latest incident XXXX XXXX is addament i took the equipment out of the country to XXXX. I replied that claim is absurd and untrue. I tried speaking to the sales finance manager and he said i have to speak to him directly to resolve this matter. I chose to communicate by e-mail to avoid further trash talk from XXXX XXXX. He replied that if i did not speak to him directly nothing would be resolved. I made the attempt to speak to him again and proceeded to tell me " do you know you have paid late every month ''. I replied " is this the part where you tell me i should be ashamed of myself '' and he replied he wanted to take the second unit i have financed with him. I told him i was prepared to be current this Friday and he said he did not want to accept that offer. The dealer who sold us the cement trucks stated they are accustomed to doing this sort of thing to customers because they take the majority of the payments for several years and then they try to resale the vehicles and make all the monies that were paid in monthly payments on top of what the vehicle resales for. I have purchased millions of dollars of equipment in my 16 years of doing business and i can not recall having to deal with such a negative individual. I also have never defaulted on a loan.
I recently travelled to XXXX, as I have many times. This was the first time doing so where I used my XXXX Debit/Credit Card I have with Ally Bank. Upon return home, I was reviewing my credit card transactions and realized that Ally Bank ( Mastercard ) was not converting the XXXX $ to XXXX $ as is expected and as happened with any other Debit/Credit card that I have used over the years when travelling to XXXX and other countries. 

They were charging the XXXX $ amount to my XXXX $ account on a one for one basis, ignoring the currency conversion from XXXX $ to XXXX $ as is suppose to automatically happen. 

I contacted Ally Bank and they refused to rectify the problem by issuing the appropriate credits to cover the lack of currency conversion that is normal and suppose to automatically happen. They made the lame and illegal excuse of saying it was not their problem, it was XXXX and therefore I had to contact XXXX. On the telephone they even tried to argue that this non conversion from other currencies is normal practice by banks. Not only is that completely a false statement, I have been using other bank cards for many years and the conversion is done AUTOMATICALLY. This is the first time in over 30 years this has ever happened. 

I do not do business with XXXX, I do business with Ally Bank and it was Ally Bank, not XXXX   that issued the card to me and it is Ally Bank that I log into to see the posted debit/credit card transactions and therefore they are responsible for the errant transactions that did not do the currency conversion and if something needs to be done with XXXX to fix it, then THEY ( Ally Bank ) needs to work that out with XXXX, not me. 

I have attached two documents : 1. Showing the transactions from my Ally Bank online ledger of my account. 
2. Their written response to my dispute.
Accts #   XXXX   Due {$30.00},   XXXX   Due {$30.00},  XXXX  Due {$30.00},  XXXX  Due {$30.00} These charges are inaccurate and ABSOLUTELY not mine. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
XXXX XXXX XXXX - they are reporting under two names with incorrect information on my Transunion, XXXX & XXXX report. I have tried to call on several attempts and get a pre recorded message stating my account is being handled by someone else. XXXX XXXX XXXX  is reporting my payment is has never been late or behind with a reporting balance of {$540.00} on my XXXX report and on my Transunion report I see a company by the name of XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX - reporting balance {$820.00}. I have made several attempts to getting this issue resolved by both credit reporting agencies and the company reporting the incorrect information i have recently again disputed the information on XXXX XXXX & TransUnion received my request onXX/XX/2018 my current file number : XXXX.
As part of financial legislation signed into law as of XXXX, XXXX, consumers could go to the websites of the three major credit reporting bureaus to freeze their credit files beginning XXXX XXXX, XXXX. On that date I went to the websites of XXXX, XXXX  and Equifax. At XXXX  and XXXX I was able to freeze my credit files on my first attempt. Since XXXX XXXX, XXXX I have gone multiple times a day to Equifax 's website only to read a screen stating that being able to freeze my credit files was temporarily unavailable to me. It is now XXXX, XXXX, XXXX and I still can not freeze my credit files at Equifax. I have tried calling Equifax numerous times only to be put on hold for approximately 1/2 hour and then being disconnected. 
What has to be taken into account is that Equifax was hacked in XXXX where the personal data of between 143 & 148 million consumers was stolen, leaving them to vulnerable to identity theft and fraud. Who's to say I wasn't one of those millions, which is why this problem of me being unable to freeze my credit files at Equifax has to be resolved without delay. Being a senior citizen living on a fixed income, I neither have the resources or good health to be able to defend myself from the fraud that always follows being a victim of identity theft. My daughter was a victim of identity theft and fraud and it was a nightmare that lasted for years before it was finally resolved. 
I am asking that the power of your agency be used to immediately reach out to Equifax to have them fix their website so consumers can freeze their credit files. In my opinion, Equifax is breaking federal law by not allowing consumers to freeze their credit files at their company 's website as written into the financial legislation of XXXX, XXXX. Thank you in advance for your attention to this extremely important matter. I look forward to your response in a timely fashion.
I received a letter from Jonathan Neil & Associates dated XXXX XXXX, 2015 for an auto insurance debt of XXXX. My wife and I called and made payments arrangements for {$100.00} per month until XXXX was paid. We received verification and acceptance of payment arrangements from Jonathan Neil & Associates in letter dated XXXX/XXXX/15. We mailed our XXXX payment on XXXX/XXXX/2015 and we received another letter dated XXXX/XXXX/2015 from Jonathan Neil & Associates with a new balance of XXXX. We believe this consititutes unfair practices because we made payment arrangements on one balance and after first payment, the balanced was increased.