WillisBack/dataset-financial-user-claim huggingface dataset:
I became XXXX in XXXX, XXXX, unable to make mortgage payments on time, and became late due to no income and XXXX. I started Bayview 's modification application process in XXXX, XXXX ( w/Bayview Finance after XXXX sold my account to them ). For the past XXXX months, I have tried to obtain a modification/HAMP modification, to no avail. On XXXX, XXXX, I was offered a modification with no changes, extending my loan to again 30 years and additional costs were added into the original loan. After requesting the reason for the HAMP denial from XXXX XXXX my act rep, he stated it was due to missing information. I submitted an appeal to Bayview 's HAMP escalation dept providing the documentation necessary to appeal. Last week I was told that they do not have the information necessary to approve again and to resubmit. XXXX, as advised by his manager, XXXX XXXX, they would submit just as soon as updated bank statements were provided. I 've done that, and am waiting. At the same time, I am receiving foreclosure notices from their foreclosure dept/company, XXXX XXXX. 

I 'm scared and need help. Ive done everything Bayview has requested ... more than once! I am also a XXXX veteran who was recently diagnosed with XXXX and have been XXXX for this illness and am in ongoing treatment for XXXX, suffer from XXXX XXXX, and several other XXXX illness. I do n't want to and ca n't lose my house!! PLEASE HELP because I 've done everything I can do in working this issue with my mortgage company on my own and now with the forclosure notice I received, I may be at risk now of being homeless. I am now receiving XXXX benefits from social security, am XXXX, and have Veterans benefits as well. I CAN afford my house and need to " fix '' the past late payments/fees ... and doing that through modification but Bayview is playing games!
I have contacted Transunion Credit Report because I have credit inquiries that I have no idea of and they will not do anything to remove them
Freedom Mortgage is illegally delaying and taking excessive time in reviewing and making a decision for my loan modification application. Freedom Mortgage excessive delays, often causing my application documents to expire, which then they would close the application due to expired documents. To date, no decision has been made on my loan modification since first applying in early XXXX. 

I spoke with a loan modification representative at Freedom Mortgage on XX/XX/XXXX and was advised that I was missing an explanation on transfers from account ending in XXXX. I have made numerous fruitless attempts, to explain the {$16.00} DEBITS ( from account ending in XXXX ). On XX/XX/XXXX, l gathered and emailed 61 pages to Freedom Mortgage loss mitigation department. Freedom Mortgage  acknowledged receipt of all pages on XX/XX/XXXX. It is my understanding from Freedom Mortgage that the purpose of the bank statements is to verify my income was received ( bank statements included in the 61 pages emailed ) and verify all income ( all deposits were explained with letters in 61 pages sent on XX/XX/XXXX ). My loan modification application ( as of XX/XX/XXXX ) is pending closure per Freedom Mortgage because of failure to explain the transfers from account in XXXX. 

Because of the delay in my loan modification application review which, violates mortgage servicing rules I was deprived of the ability to make an informed choice about how to save my home, which caused me to file for bankruptcy.
On or about XXXX XXXX, XXXX I lost my XXXX XXXX Checkbook which had been previously setup to use as a payment account on my Discover IT account with Discover. I immediately contacted XXXX XXXX to close this account and open a new account. I neglected to update my bank information with Discover so that my new XXXX XXXX account would be able to be utilized for payments. I infrequently used my XXXX XXXX account to pay Discover, as my main account to pay Discover was XXXX XXXX. On XXXX XXXX, XXXX I scheduled a payment to Discover from my XXXX XXXX account which had been previously closed in XXXX XXXX unknowingly that I had n't updated my Discover account with new XXXX XXXX account information. On XXXX, XXXX I was notified by Discover electronically that my account was delinquent. I contacted Discover about this issue and was informed that Discover had received the returned payment back from XXXX XXXX who indicated with the returned payment that the account had been closed. This was the first time that I became aware that the XXXX XXXX information had n't been updated with Discover. Discover did reverse the return payment fee of {$27.00} on XXXX XXXX, XXXX. I 've had this Discover account since XXXX XXXX, XXXX without any missed payments. I have received credit line increases on this account which initially started at {$6500.00} and now has a credit line of {$26000.00} which is evidence of my exceptional history with Discover. I applied for another credit line increase as has been routine for me and was shocked to be declined due to " Delinquent history on your account ''. I immediately contacted Discover and spoke with Discover New Accounts and the Executive Offices and was informed that the delinquency status would remain on my account. I inquired with both departments about Discover 's claim in advertising that they will not penalize you for your first missed payment. I was informed that the delinquency status is not being reported to the major credit bureaus, but would only be maintained in Discover records. This is in direct contrast to Discover 's advertisement that they wo n't penalize you for your first missed payment, as I am clearly being penalized for being late with one payment over the course of a 2.5 years exceptional account history with Discover..
Equifax repeatedly ignores and violates my rights under the FCRA. They continue to report unverified items on my credit file after repeated request from all parties involved for verification. To date I have not received anything in the form of verification i.e. executed contract(s), 1st hand account of credit agency rep verification from original creditor(s). receipts, canceled checks from my bank account, etc...
2009 when unemployment rates were in the XXXX digits Sessoms and Rogers a attorney debt collector capitalized on consumers who lost their jobs and had charged off debt. They will not settle for anything over 75 % of the debt plus interest added back from your last payment. So XXXX dollars becomes XXXX overnight. They sent the Sherriff to my door XXXX times even after I filled out and filed the paperwork to document XXXX assets. I did not even have furniture in my apt . Now that I am making payments and have been for over 1.5 years they file a current collection on my credit like it is brand new. These debts were over 3 years old when the Sherriff came to my door. I should have never set up a payment plan. What they did was pure harassment and unethical
I had an account with   XXXX   XXXX   XXXX   that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was sold in  XXXX   XXXX . According to the  FCRA 623 ( a ) ( 5 ),  this account should be removed from my credit report. It has been re-aged by the   XXXX   XXXX   XXXX   t  o reflect a different date of default. The account has been aged more than  seven  years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with Equi fax Information Services , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency  (   XXXX   XXXX  ) and the date of first delinquency reported (  XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.
We entered into a home modification loan with Nationstar Mortgage LLC. Their address is XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. The company is giving us contradictory information concerning our mortgage agreement as far as monthly payments, overdue amounts, one person in the company I spoke with said we are 60 days delinquent and we are not then another person I spoke with said he was not sure and that I would have to contact him next week. We sent in our final paperwork which they said they received but there were several items in that paperwork that was different from the original agreement so my wife and I noted several items we did not agree with and signed the documents and sent them in. The person I spoke with said that since we had stated that we did not agree with some items in the contract that it would have to be reviewed. We are not delinquent on our payments during the 4 month probationary period they had us under, they sent us a letter confirming that we had successfully completed our 4 month agreement but they told me those letters were automatically generated by their computer and basically did not mean anything. We do not want to lose our home through some administrative mix up on there part and I had to check myself out of the hospital against my doctors advice to attempt to take care of this matter. I have a XXXX XXXX that the doctors have said could be XXXX but I can not go back to the hospital with this hanging over our heads. My wife is XXXX years old and on XXXX and has been trying unsuccessfully to resolve this on her own, I am also unable to work because of various ailments and a recent automobile accident where a commercial vehicle pulled out in front of me and I XXXX the other vehicle which totaled my car, it was the other drivers fault, I am also XXXX years old.
On XX/XX/XXXX after reviewing my credit report I found a debt from Midwest Recovery Systems I immediately mailed them a certified letter number XXXX XXXX XXXX XXXX XXXX validation of debt letter the letter was returned to me refused by receiver I have the tracking information for this item. After the letter was refused I disputed this item with all three credit bureaus XXXX, XXXX  & XXXX all three credit bureaus validated this item as verified and updated per my request for validation. I can not be certain this is my account I don't even know who they company is collecting for and after Divorcing in XX/XX/XXXX I don't know if this was my account or my ex-husband 's account.
Purchased an Airfare ticket with XXXX XXXX for XXXX $ in XXXX. Flew on XX/XX/XXXX and was downgraded to Economy due to a plane swap. on my return flight, it happened again. i contacted XXXX to get the situation handheld but they referred me to there partner XXXX who was operating the flight. XXXX XXXX never resolved the issue, so i made contact with my Credit card company to file a dispute. i told them the situation and they instructed me they would credit me XXXX $ back and keep the difference of XXXX charged on my account since that 's the price of an economy ticket. two months later i was asked to send proof of travel, which I did but they claimed to never have received it and recharged me the XXXX , I called and was given an apology and was told the documents were received late due to an office error and that chase would re-dispute the item for me. since then 2 months have passed and i called chase and was told the dispute is closed and we are rebilling you the XXXX , they said it was my fault because they tried to call me but i did n't answer and they cant dispute something this old ... they never called me or sent me any letter during this whole process. The item in dispute was purchased in XXXX and disputed after the travel in XXXX.
When loans were presented by school I was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that I have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.
Unifund CCR , LLC has filed a lawsuit against me for an alleged debt they claim to have purchased from Pilot Receivables Management , LLC, which they claim it has been originated from XXXX XXXX. 

The documents they have provided do not show how the alleged amount was calculated or proof of ownership or transfer from XXXX XXXX to Pilot Receivables Management , LLC or from Pilot Receivables Management , LLC to Unifund CCR , LLC. 

They have provided XXXX bills of sale ; XXXX between XXXX XXXX and Pilot Receivables Management , LLC, which states that accounts in " Exhibit XXXX '' were sold/transferred to Pilot Receivables Management , LLC, however there is no accounts listed in Exhibit XXXX as the entire document has been redacted. XXXX bill of sale is between Pilot Receivables Management , LLC and Unifund CCR , LLC, which states that all accounts in " Attachment A '' were sold/transferred to Unifund CCR , LLC however there is no Attachment A provided. 

They have also included XXXX statements, seven months apart, from XXXX XXXX, however nothing shows how the alleged amounts were calculated. 

Moreover, Unifund CCR , LLC sent me a collections letter on XXXX XXXX, 2016 attempting to collect this alleged debt, but the bill of sale mentioned above between Unifund CCR , LLC and Pilot Receivables Management , LLC was generated XXXX XXXX, 2016. 

Furthermore, on XXXX XXXX, 2016 I sent a debt validation letter to Unifund CCR , LLC and on XXXX XXXX, 2016 I received a letter from the law firm XXXX , XXXX XXXX XXXX, attorney to Unifund CCR , LLC, stating that the debt was owed to XXXX XXXX and they were asked to collect. On XXXX XXXX, 2016 the law firm sent me the documents mentioned above per my debt validation, including a letter stating that the Plaintiff was XXXX XXXX.
A collection has shown up on my XXXX and equifax that is from XXXX, a company in kansas that provides electricity for homes and business. This collection is not for me, it is for my ex-fiances home. I was living with her from around XX/XX/XXXX until XX/XX/XXXX, and there were certain months that i would pay her bills buy putting them on my debit card if she was having money issues and also i was using the electricity also. The account was in her name, but since i had paid it majority of the months using my card, when she allegedly defaulted after we had split up and they could not get money from her they attached a collection to my credit reports. I have tried unsuccessfully to reason with the original creditor and the credit reporting agencies. The ironic part is i have westar energy at my home now, If i actually owed them any money, why would they have gone and given me another account years ago. This collection has hurt my overall credit profile with regards to obtaining preferable financing on homes and business loans, and on more occasions than i can remember cost me from obtaining new lines of credit with banks. My desired resolution to this issue is for XXXX and equifax to remove this innacurate collection from my accounts.
I 've sent XXXX XXXX an update address letter on XX/XX/XXXX certified mail and signed on XX/XX/XXXX with proof attached. Experian refuses to update my address and the information on file to the new address listed. It 's been well pass the 30 days on XX/XX/XXXX and still no response or dispute information. I request Experian to update my personal information on file such as Date of Birth, Current Address and Employment History immediately under my Social Security number or I will take another legal action with BBB, Attorney General, etc.
My fiance and I were at Target checking out and the cashier asked us if we would like to apply for the Target REDcard. We both declined, saying we did n't need a credit card. She then went on to tell us that they had rolled out a new program that was just a rewards card. I thought nothing of this since companies do things like this all of the time. It really interested my fiance and I and we decided to sign up. She told me that she would just need our driver 's licenses. I went first, and she clicked through the prompts on the card reader quite quickly, to where I could not read what it said. She then asked me to finish off the prompts once it got to a question about income. This was a red flag, so I asked her if it was a credit card that I was signing up for, just to clarify. She assured me that it was not a credit card, that the income question was just to determine what kind of coupons I would receive. That sounded pretty odd, but I shook it off and continued on. Then, the prompt asked for my social security, to which I was really confused. I once again asked her if it was a credit card and she PROMISED that it was n't. I finished the questions and signed my name. Where I signed my name, it had something about " credit '' and I asked her about it. She told me that it just said that, but it was n't a credit card. I really felt weary but signed anyway, which is something I regret. She also took {$10.00} off of my purchase, saying that I could not tell anyone about it, whatsoever. She did the same exact thing to my fiance, and once we were on our way out of the store, I searched on the internet to see if Target had just a rewards card. Turns out, they do n't. I was really upset and frustrated that this woman wasted ten minutes of my time to make us apply for a credit card when she explicitly told us it was not a credit card. My fiance called the store once we got home and complained about it, to which he was greeted with a rude customer service rep saying that we just " misunderstood what we were signing up for ''. He explained that she told us it was n't a credit card, just a rewards card, and the woman on the phone literally yelled, " It 's not a credit card! It 's a DEBIT card '' to which my fiance told her that we did not give any of our banking information. At this point, we are livid because the customer service woman is n't listening to us and blaming us for " not understanding '' instead of taking our words seriously. We asked to speak to the store manager, and we were told that she was with another person and that she would call back. She does so, and told my fiance that they have spoken to the employee to get a better understanding of the situation and they realize that it was all a big misunderstanding. My fiance asked what was going to be done about this, and the manager did not give us a definite answer. We feel as if no one at the store took us seriously and that the issue was not resolved. We feel humiliated and completely taken advantage of by this cashier who illegally lied to us.
The reason for my complaint is because someone did a fraudulent account take over on my best buy account. I had paid off the account and have been in florida for the last 10 months. I still own my home in which the billing is being sent too but being that I did not have a balance on the account I had no reason to be worried for any payments on my account. I found out the account takeover when I purchased an XXXX credit report and saw my best buy account as a charged off. I have tried to call in to speak to best buy about this and continue to be put on hold and transferred around. I do not have my card in my possession and do not know the full account number but do have the partial from the credit report XXXX and my social is XXXX
On XXXX/XXXX/16 I opened a XXXX checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XXXX XXXX. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited by XXXX XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify and that I an offer bonus code was never attached to my account. Now I will not be getting {$400.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
I have reached out to XXXX XXXX and reported the debt as fraudulent. I have also reported it to the police and provided me with a police report. But XXXX XXXX still fails to acknowledge the police report. I had reported this Experian many times and Experian does not comply.
Fraudulent Activities in my credit report and some are reports XXXX in my personal accounts. Please remove all these negatives accounts. My Identity has been lost.
XXXX XXXX called at XXXX from XXXX and left a message by XXXX on my cell phone. I am in XXXX and this woke me up from my sleep. Very disturbing. It is a violation of the fdcpa.
Hi - I am writing to complain about false advertising regarding a promotion to open a CitiGold Checking account. In XXXX I was offered a promotion via mail that I would receive XXXX AA Advantage Points ( XXXX XXXX XXXX XXXX is worth around {$500.00} ) if I opened a CitiGold Checking account using code XXXX which was entered upon opening the account online. After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. I then met the requirements that I spend {$1000.00} in purchases during first 60 days and set up XXXX qualifying Bill Pay. 

I also confirmed with Citi representatives both that I met qualifications to be enrolled in the offer ( XXXX/XXXX/XXXX ) and that I had completed the requirements and should be receiving the points within 90 days of completing the requirements ( XXXX/XXXX/XXXX ). I have PDF 'd records of these chat conversations but threw out the original targeted offer. 

On XXXX/XXXX/XXXX I reached out via chat saying that my points have not posted and wanted to confirm I would be receiving them. I was told that an investigation will be opened. 

On XXXX/XXXX/XXXX I received a letter stating that my account promotional offer would not be given because there was not a targeted offer on my account even though I confirmed via call/chat that I was eligible for the offer and had met the requirements. I called Citi back and spoke to a manager that said that they would open another investigation and I would hear back by XXXX/XXXX/XXXX. It is past that point and I have not yet heard back. 

I have called numerous times and got nothing but a run-around. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since XXXX and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. 

I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. I can provide PDFs of the chat records if need be. 

Thanks, XXXX