WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX my XXXX at work. I could n't work any longer because I had difficulty standing & walking. The current mortgage & second mortgage that I still owe today are more than what they should currently be. The reason I say this is I have proof that the Insurance company ( Mortgage Protection Insurance ) I took out as backup in case I got hurt or fell sick would pick up my payments for five years. They were a big help to me as I am XXXX & can no longer be employed. My contacting you is this reason as follows. From the time of my being XXXX & not able to work the ( MPI ) paid directly to the first & second mortgage holders. On XXXX XXXX, XXXX said first mortgage balance bill was for {$72000.00} & second mortgage was {$8600.00}. Meanwhile I got a letter from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX stating that the money they paid in to date for the first mortgage was {$41000.00}. And the second mortgage paid to date from XXXX XXXX XXXX XXXX paid {$7700.00}. My question to you is this if the first mortgage from CitiFinance ( XXXX ) XXXX on XXXX/XXXX/XXXX balance of {$72000.00} - {$41000.00} from XXXX XXXX XXXX XXXX ( XXXX ) XXXX paid in to date, gives me a balance owed to CitiFinancial of {$31000.00}. CitiFinancial states I owe them {$67000.00}. The second XXXX the same thing, I owe CitiFinancial to which they sold the second mortgage to XXXX, {$8600.00} - {$7700.00} that XXXX XXXX XXXX XXXX paid in to date ( payments for 52 months & said bill from them state that I owe them to date, {$6700.00} & I, under the DRS care to prove this ) balance should be $ XXXX.Current balance for CitiFinancial billing XXXX for the first mortgage owed current {$67000.00} & second mortgage currently owed to XXXX {$6700.00}. Why do I owe these mortgage companies this much money when XXXX XXXX XXXX XXXX paid CitiFinancial {$41000.00} & XXXX XXXX {$7700.00}. My balance should be for CitiFinancial {$31000.00} & {$980.00} for XXXX..With my totals of all the money XXXX XXXX & XXXX XXXX XXXX XXXX accounts of {$32000.00}, I am being overcharged {$41000.00}. All interest charges during this duration was waved because Im XXXX. These companies applied payments from XXXX XXXX XXXX XXXX directly to their interest which should of reflected a whole lot more paid down each month & practly nothing put to principal. When they get this kind of money from the insurance company, why do they pocket everything & it only reflect the very little interest paid in & the bill never goes down.I have questioned them on this before & I could n't get a reasonable answer. I feel I have been ripped off. These people are not the greatest ones to communicate with. I 've had issues with them & their practices. Can you check on this for me. I am on a very limited budget being on XXXX & all. I was going to get a lawyer but I was told I should contact you first. I really need a miracle if you got XXXX for me please! thank you XXXX XXXX XXXX ( XXXX ) XXXX
I HAVE PAID ALL MY BILLS ON TIME FOR 50 YEARS AND MAINTAINED A XXXX CREDIT SCORE, XX/XX/2015 I WAS HURT IN AN ACCIDENT AND DID NOT HAVE INSURANCE, ONE OF THE DOCTOR BILL WENT TO COLLECTIONS AND I DID SETTLE THE BILL, BUT NEVER RECEIVED SETTLEMENT LETTER, MY CREDIT REPORT IS AS FOLLOWS : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION TO SHORT PROPORTION TO CREDIT LINITS TO HIGHON REVOLVING ACCOUNTS TO MANY INQUIRIES IN THE LAST 12 MONTHS THE NUMBER OF INQUIRES HAS ADVERSLY EFFECTED THE CREDIT SCORE
On XX/XX/XXXX I ordered a copy of my Experian credit report. After noticing many inaccuracies, I wrote the company via first class mail and provided a valid copy of my Nevada identification with my complete mailing address as well as a current utility bill that beared the same address disputing ALL the inaccurate reported addresses. 

My credit report was reporting 59 addresses! I could not verify where these addresses came from and disputed them as inaccurate, outdated, unknown, not mine etc. I received a so-called updated report some time later and my report was STILL showing inaccurate addresses. I sent a follow up letter via first class mail on XX/XX/XXXX again explaining that I was NOT associated with the addresses that were reporting. Again I provided a current copy of my NV identification as well as a current utility bill. I cant understand how a person can live at 59 places at once. I have provided the necessary paperwork to verify my identity and I received a report as of XX/XX/XXXX with the same inaccurate information. 

I am not associated with any of the addresses other than the one I provided proof for.
Well Fargo refuse to report to credit agencies payments made to account call number of times get same response for pass 6 months going into 7th month as I file this complaint your mediation will be greatly appreciated
I opened and account in XX/XX/XXXX with synchrony ( then ge capital ) and paid it off in XX/XX/XXXX. Since it is Ethan Allen, it is not something I would use every day. I was never notified that this may be happening in the future, or even that it had happened after the fact. I only noticed after checking my credit report. I called customer service today and they will not reinstate. I can only reapply and reopen, which will further hurt my credit. I was in the process of buying a house and this has potentially cost me thousands in interest on my mortgage due to a lower credit rating. All customer service said is they can close an account for any reason at any time and we 're of no further help.
I was scammed on my Chase credit card by someone I met on line at a dating site called XXXX. I have sent all this information to Chase Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. Chase has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB.
Quicken loans changed their loan conditions for no GOOD reason ( or one we could find out ) after 4 years saying that the employee that set up our loan 'made a mistake ' and we were supposed to be paying hurricane insurance which quadruples the cost of our overall insurance and makes the house NO LONGER AFFORDABLE to live in and now we have to sell. It is not right for them to change an agreement because someone screwed up because we based our decision to buy this home BASED ON THE AGREEMENT AND LOAN CONDITIONS THEY SPECIFIED at the time b/c what they offered made this an affordable purchase. We were told repeatedly ( which WAS WRONG and we PROVED it to them via our state insurance agent ) that the hurricane insurance was 'required by state law ' -- a total lie and proves their incompetence. We accepted this lie for a year and had to pay the increased insurance and then we got hit with a huge escrow bill that we have to pay. So we protested again this year, XX/XX/2018 when we got the nearly {$1700.00} bill and after we proved to them that it is NOT 'state law ' to require this insurance, we were then told that the 'investors require it ' but was NEVER answered about WHY, what basis are the investors using for this decision because if they are using the 'state law ' justification, it is not right or fair to do this to us. We have repeatedly asked them to honor their original agreement with us as they are a multi million dollar company and a couple thousand dollars isn't going to hurt them but it is hurting us to the point where we have to sell and move. They refused. Then we asked them to at least give us a break and split the difference with us to at least make up for their 'mistake '. They refused. All they would do is extend our payments. Big deal. We will still have to pay the full amount when we sell the house. Totally unfair. They told us basically that we should thank our lucky stars we weren't having to back pay for 4 years of hurricane insurance we were 'supposed ' to have. Please! If we had known of this requirement, we would have NEVER chosen to go with this company for the mortgage! They don't care about losing our business or the bad word of mouth and internet reporting they will receive. They NEVER answered us about the reason for the investors requiring this insurance and that is unacceptable. Their needs to be big justification for this forced changed if someone is going to lose their home over it! 
If a company is allowed to change their agreement with consumers willy nilly or because of a 'mistake ' or a 'change in policy, ' that will end up amounting to bait and switch tactics and is unethical at the very least. They can always use these excuses then and get away with it.
The complaint is with XXXX XXXX and Navient and has XXXX distinct partsServicer Issues:1. The servicers had discussed my loan issues/represented a negative connotations about my loan to family members in order to embarrass me. 
2. Threatened that i would be sued and my wages would be garnished and liens on my property3. Blammed me for the situation I was in and got very confrontationalPredatorial Lending:1. Material changes to my loan were done without fully informing me of the ramifications as I as bullied to accept the new payment schedules for fear of legal reprisal. 
2.I have filed a formal debt dispute and they are still contacting the co-signer saying that it is not applicable to themLastly and this is the kicker -- I was on a repayment plan with them, provided them with my CC and Bank info and they just stopped taking payments. According to them the payments would n't go through however there was money in the account. every time the due date rolled around. The purposely tried to default this loan
I use to live at XXXX XXXX in XXXX. When I left XXXX I paid my rent in full even for the time I was n't there. I paid with a cashiers check. I later found the company was on my credit report for XXXX . I have contacted them several times no one can tell me why. The apartment was left in very good condition. All furniture and items were removed. Now its show on my credit report. I have disputed it several times .. I 'm asking that this be removed from my credit immediately. Its being reported under Capstone credit collection. XXXX
Today I recieve a response back from my complaint filed with Experian. I am asking that they provide me with the copies used to investigate my dispute and to this day they will not. They generated a response just to get the CFPB to close the complaint. They know that once the response is entered in CFPB automatically closes the complaint, which is unfair to us as consumers. I have the right by law to ask for the original documents used to verify the disputes. Im asking one more time that you send me the information. I have asked twice before and you keep spinning around with your answers. Just provide me with the information you used to verify the investigation according to complaint number XXXX. By law I have a right to ask for the method of verification and you have to provide me wit it. All of that other stuff you are replying about is not what im asking for. please provide me with this information
Afni XXXX has failed to respond to my letters. I have requested validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from Afni and they continue to report it on my credit report.
I have been attempting to place a credit freeze with Equifax do to their gross mishandling of my personal information. 

Their system via phone and internet methods, are reporting that credit freezes are 'not available ' when I attempt to activate my freeze. 

I called their customer service line at XXXX and was told that they are no longer offering credit freezes and I have to purchase their monitoring product. Florida state law allows me to have a credit freeze. They are breaking the law.
XXXX did n't honor their promise to remove the XXXX account which I already Proved several times that it belongs to my husband. Furthermore, they have failed to send me in the mail and they respond which they told me they will get from the company. He only send me a letter in the mail tell me to contact the company. By law based on the fear reporting act they are not allowed to report incorrect information from a source which is and they can not identify and on several phone calls I was promised that will be removed and all they did is make a remark that its in dispute and it did not remove it. Moreover, by law they are required to block the creditor from being able to report this inaccurate information.
I have opened a XXXX account with over {$10000.00} as dictated per offer in the XXXX, IL branch. The requirements listed in the opening brochure to receive a {$100.00} bonus was to keep the above mentioned balance for at least 90 days. Since I have a specific tax situation I have requested the bank to post the opening account bonus in XXXX instead of XXXX since I found that that the bank will be reporting it on 1099 INT form instead of 1099 MISC ( the account bonus reporting is specifically vague listing the reporting category as 1099 only, please see attached ). As result the bank took a very aggressive stand on the issue with the market manager XXXX XXXX stating that " he 's surprised I have nothing better to do with my life than demand bank to delay the bonus payment. '' When I looked at the wording of the offer and floated a possibility of delaying the account qualification so it comes to qualifying the bonus for XXXX by withdrawing the account below {$10000.00} ramping it up again in XXXX ( the account requires 90 day maintenance of the balance however it does n't require it to be held consecutively for 90 days in the 12 months period ) he objected stating that the account will be denied bonus if I do so.

When I escalated the matter the bank offered me the only alternative : to receive a bonus or not. Subsequently the bank awarded the bonus contrary to its own T & C ( before the completion of the 90 day period as in spite ).

Issues : 1 ) Why the bank does n't follow the wording of its legal disclosure closely when it comes not only of the XXXX XXXX XXXX but also its own reporting requirements? 
2 ) Why the culture at the bank is such as it creates a needlessly adversarial environment as if the bank representatives know my tax situation better than myself?

3 ) What the bank does n't offer a solution to issue ( however unique ) instead of treating the matter as some type of frivolous request?
I sent XXXX Litecoins from my XXXX XXXX XXXX to My Coinbase wallet on XX/XX/XXXX ... I sent the coins to my wallet using the same address that was given when I sent Litecoins from my Coinbase wallet to my XXXX XXXX XXXX ... It is now XX/XX/XXXX over 80 days and my Litecoins have still NOT appeared in My Coinbase wallet.. 
I have made Numerous emails and Call to Coinbase customer support and they keep saying My ticket is in line with a specialist ... PLEASE HELP ...
BACK IN XXXX TO XXXX I BEEN HAVE TROUBLE WITH WELLS FARGO HOME MORTGAGE SO I START SEND WELLS FARGO COPY OF 12 MONTH OF BACK STATEMENT SO WENT I SEND WELLS FARGO ONE YEAR WELLS FARG COME UP WITH SOMETHING ELSE SO SO BACK IN XXXX AND XXXX I START SEND THEM 2 PAYMENT SO IN XXXX THUR XXXX I SEND THEM 2 PAYMENT A MONTH THIS WAS XXXX AND THEN MY PAYMENT WENT FROM XXXX TO XXXX TO XXXX NOW MY PAYMENT IS XXXX SO I ASK WHY WELLS FARGO CLAIM MY TAX AND INSURANCE SO I CHECK INTO THE ASSESSOR AND MY TAX IS ONLY XXXX A YEAR IM TAX EXEMPTION AND MY INSURANCE WENT UP ONLY XXXX A YEAR MORE SO SOME THING WENT WRONG WITH WELLS FARGO SO THEN I ASK FOR AND MODIFICATION AND I WAS TURN DOWN AND I ASK WHY I WAS TOLD MY XXXX XXXX WAS NOT AND HARD SHIP I WAS DIAGNOSIS BACK IN XXXX SO I TRY MY BEST TO KEEP ON WORK AND I JUST COULD NOT GO ANY MORE WITH XXXX I WAS TO EXHAUSTED SO NOW WELLS FARGO SO NOW THE XXXX XXXX IS BACK AND WELLS FARGO SAID THIS IS NOT AND HARD SHIP SO NOW IM TAKEN XXXX AND LIKE I EXPLAIN TO WELLS FARGO I DID NOT ASK FOR THIS XXXX TO COME BACK I WONT TO BE HER FOR MY XXXX KIDS SO I SEND WELLS FARGO COPY OF MY AWARD LETTER FROM MY CHILD SUPPORT AND MY PENSION AND IT MORE ENOUGH TO GET AND MODIFICATION WELLS FARGO IS VERY XXXX I NO AT LEAST XXXX XXXX AMERICAN THAT WELLS FARGO REFUND TO GAVE AND MODIFICATION TO WELLS FARGO WAITE UNTIL U GET YOUR LOAN LOW AND START HARASSING U SO IF MY CONDITION IS NOT HARD SHIP WHAT IS IM NOT ASK TO STAY IN THE HOME FREE. AND THEN I WAS TOLD BY XXXX XXXX, XXXX WHO IS THE POINT OF CONTACT FOR WELLS FARGO SAID ON MY CREDIT REPORT I HAVE AND CARE ON IT YES I DO LIKE I EXPLAIN TO XXXX XXXX XXXX THAT I DONT PAY FOR THIS CAR I TOLD WELLS FARGO THAT I CAN SEND THEM LEGALIZED NOTARIZE DOUCMENT
i send money to my brother tru moneygram and have benn a week and he tell me the agency in XXXX dosent have a transaction wiht the nomber i give to him and moneygram tell me they cant give me my money back until he contat they and he already do it, these sound to me like a fruad
I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.
i have an account that is fraudulent and needs to be removed immediately this account has been reporting continuosly when it is a resulf of identity theft and I have faxed the information to the company about the nature of my complaint.
We sent payment buy they continued to take out on wrong date sent letter no  response , They took out in XXXX for payment  then said we are foreclosing which is now in affect, If  they would have takin payments as said we would not have this problem , I would like to start Class Action Suit .
I went through a 6 year Chapter XXXX and during that time my loan was sold several times. Eventually Seterus had my loan. I have ben out of the BK for 9 months and in a trial loan payment for 7 months. The trial payment was supposed to be for 3 months then the loan modification would give me a new loan. Seterus gives me the same story each time, The loan department is backed up and will get to your loan very soon. I concerned that communication with responsible persons at Seterus is almost impossible. XXXX XXXX Seterus Loan # XXXX.
they were for patient XXXX, my daughter, I sent some of them to my x wife as per our divorce settlement. I also visited the XXXX office near me that I used to use, and asked for an explanation and was told I owed nothing. I always paid when I went to the doctors, as is their policy. I then paid in full if I owed them. 
In XX/XX/XXXX, my daughter XXXX started XXXX XXXX and saw XXXX XXXX XXXX   near XXXX, MI where I live. It turned out to be a different XXXX XXXX office. They found my name and began to hound me for their money. 
XXXX XXXX, who wanted their money, and XXXX my x wife both ignored my plea to do things properly. 
So a few months ago I got a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX for an amount {$50.00}. The original bill was {$30.00}. 
*see original letter ... 
I responded by sending them a letter protesting the debt and asking for clarification. 
*see Creditor ... 
I asked for clarification. Who was treated? When? Where? For what? I Got a response dated XX/XX/XXXX. I don't know if I got a verification of claim, and I saw no copy of judgment against me. 
*see reply cover letter and replies 1 through 9. 
I noticed XXXX was listed as a patient, though I never took her. I also noticed that suddenly I was the patient. 
After my letter asking for clarity, I got this from XXXX XXXX dated XX/XX/XXXX for {$30.00} again. 
*see Latest bill Now I was the patient, and still no service date or expense accounting information. Even worse, two groups were asking for a different amount of money for the same service. Somebody decided I was more likely to pay I suspect. 
Since I was actively trying to correct the problem, I was totally unprepared for collection. I expected my x wife at least to pay. So I have no old bills. I thought the problem was being solved. 
Those bills I did not forward were tossed as useless paper. 
The XXXX XXXX XXXX XXXX, XXXX, says this happens alot, and they are interested in what the CFPB would do. The Motion for a referee costs {$100.00}. I've asked not to be charged. So I will pursue if its free there. The problem is over a year old so a judge must now sit in through a referee. 
Now since XXXX XXXX has lied about who was treated, and XXXX XXXX. will either ruin my credit, or garnish my check, I'm getting scammed. I do not owe any of them money, but they want it otherwise for some reason. 
So I'd like some help, please. It's not alot of money, but I shouldn't be getting bullied by them for it anyway. 
Thank You!
HI! 

LAST YEAR BETWEEN XXXX, AND XX/XX/XXXX. SOMEONE CHARGED MY BANK OF AMERICA MASTER CARD FOR {$2000.00}. FROM XXXX, XXXX XXXX? XXXX XXXX, WHAT I WAS TOLD COULD BE A FACTORY OUTSIDE OF XXXX, TX. WAS NOT PAID BACK TO MY CREDIT CARD, AND THE PAPER TRIAL WAS COVERED BY PERPS ON 3 AREAS! MY PERSONAL AFFECTS IS ONE, POST OFFICE? ONE OF THEIR EMPLOYEES, AND CROOKS HERE IN THE AREA THAT THEY SAID WAS A HOT THEFT AREA. DUE TO DEVILS, AND FALSE PROPHETS! MY BALANCE WAS AROUND {$7200.00}. THEN. 


ALSO, I WAS REFUSED CREDIT IN A STORE, XXXX. THEN WHEN I MADE A PAYMENT, IT WAS SENT THROUGH! XXXX MADE NATIONAL NEWS LAST YEAR!
Good Morning to whom it may concern Im writing regarding an Complaint that I have with Experian. I asked them to delete XXXX XXXX XXXX. Amount is {$680.00} from my credit file as this does not belong to me. I have sent in 609 dispute letters to both parties and it comes back verified. I question this as I have asked for signed documentation or instruments of indebtedness, neither of which have they been able to supply. XXXX charged off this balance and collected insurance on it. But they are still updating the account and reporting that is an violation of my consumer rights and in violation of the Fair Credit Reporting act I asked that this is please deleted off of my credit report.
XXXX XXXX and I went into our local Wells Fargo Bank to try to get an accounting of where our money is going each time we successfully make a payment. We have missed 2 payments and are one payment behind at this time. The woman helping us made some phone calls to their Mortgage Center. By the time she was finished with the call, she was as confused as we are. According to Wells Fargo Mortgage, we are behind by {$1400.00}. 

XX/XX/2018 Paid XXXX ; XX/XX/2018 Paid {$1400.00} but was returned NSF ; XX/XX/2018 Paid {$1500.00} ; XX/XX/2018 Paid {$1700.00} ; XX/XX/2018 To Pay {$1600.00}. This should bring us closer to being current. We are going to continue making overpayments, but are very concerned about how our funds are being used!