WillisBack/dataset-financial-user-claim huggingface dataset:
I was involved in an accident in the vehicle on XX/XX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to XXXX XXXX by XXXX XXXX XXXX XXXX per a phone call onXX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, XXXX XXXX has reported my account as being past due for 30 days to all three credit bureaus.
I applied for a credit card from Citi Bank and received a denial partially based on a bankruptcy that was started XXXX years ago with my ex-spouse. It was a Chapter XXXX and has been satisfied close to XXXX years ago. I was not aware they could use that old of information as part of determining my current credit. I am attaching the copy of their letter I have written on and a copy of my credit report I got about a XXXX or so ago. My status has changed over the last XXXX years both financially and marriage. Is there not a statute of limitation for them to use that against me?
WE, COMPLETED AN IN-HOUSE TRIAL PERIOD PLAN FOR 6 MONTHS OF {$4900.00} PER MONTH, TOTAL POSTED CHECKS BY FAY {$29000.00} WHICH FAY HAS NOT CURRENTLY APPLIED PAYMENTS TO OUR CURRENT MORTGAGE, FAY HAS ADDED {$100000.00} EXCESSIVE FEES TO THE MORTGAGE PRINCIPAL WHILE I WAS STILL IN BANKRUPTCY IN XXXX. 

FAY OFFERED ON XXXX/XXXX/XXXX AN PERMANET LOAN MODIFICATION OF {$5000.00} FOR A SHORT TERM 20 YEAR FIX WITH AN BALLOON PAYMENT OF {$16000.00} TO BE PAID IN FULL XXXX ON MATURE DATE. 

THIS MODIFICATION IS NOT AN AFFORDABLE MONTHLY PAYMENT FOR 20 YEARS, THIS MODIFICATION WILL FORCE ME A DEFAULT ON LOAN FOR MY HOME TO BE FORECLOSED FOR AN TRUSTEE SALE. 

FAY SERVICING ; STRATIGIES ARE TO DENIE MODIFICATION APPLICATIONS TO GENERATE, EXCESSIVE DOLLARS TO YOUR LOAN, TO MAKE IT IMPOSSIBLE TO SAVE YOUR HOME. 

I, BELIEVE ; FAY SERVICING IS IN VIOLATIONS OF " MORTGAGE FRAUD ''
I started a refinance/consolidation loan on XX/XX/2018, with Quicken Loans-Rocket Mortgage. The first loan representative, ( XXXX. ), told me I was approved from the very beginning of loan process. 
While completing the Title Search R.M. discovered a lien against my mortgage, which I was not aware of. From the advice of, ( XXXX. ), I followed up on this, received all the information and spoke with XXXX XXXX XXXX, Supervisor with XXXX XXXX, XXXX. I negotiated the amount of the pay off of this account from $ XXXX to {$13000.00}. Also, as requested a letter from XXXX XXXX, XXXX to Quicken Loans stating all the particulars of this agreement to remove the lien and agreed pay off amount was forwarded to Quicken Loans. 
***NOW I'M APPROVED! 
Several days later I received corresponded from another R.M. representative, XXXX, needing more documents from me, which I emailed right back in a timely manner. 
Several days later I received corresponded again from a third R.M. representative, XXXX, and she is stepping in for XXXX as she is our of the office. 
Several days later I received corresponded again from the 4th R.M. representative now taking over the loan process, who we'll name XXXX XXXX. 
I spent 3 weeks working with XXXX & XXXX ... complying with each and every request in a timely manner. 
My Point ... .I was Approved and then NOT APPROVED BACK AND FORTH 6 times. I even took cash I have set aside to pay 2 credit card balances down to {$10.00}, ( TO RAISE MY CREDIT SCORE UP ABOVE XXXX TO GET APPROVED AGAIN DURING RHIS WHOLE MISERABLE EXPERIENCE!!!

I WOULD NOT WISH THIS ON MY WORST ENEMY. PLEASE INVESTIGATE INTO THEIR PRACTICES ... ..
On XX/XX/2018 I went to test drive and get information on a vehicle that I wanted from XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. I explained to the salesman who greeted us several times that I was not ready to purchase, I was just researching to be prepared. After viewing the car, he sat me down and asked if he could have my information to see what prices he could offer on a lease and a purchase. I agreed and only gave my name, address, and what kind of payment I could afford. He came back with decent numbers but as I had explained, I was not ready to purchase or lease that day. As I was leaving another man called my name from the front door and asked me to give him 10 minutes. He came back with a great deal. No money down, payment of {$290.00} a month. Of course I caved. I filled out all the paperwork, gave them my license plate to transfer, added the car to my XXXX policy. While I was waiting for them to come out with the final paperwork to sign, I was called into the finance office. The finance manager said they couldn't honor the deal without a large down payment. The banks wouldn't approve an 84 month loan. He said my credit was not the problem, the terms were. I was not made aware that the term was to be for 84 months. He asked for the name of the salesman that offered me this deal and when I told him he said Oh, he hasn't been here long, he transferred from another region and had no authority to make such a deal. They tried to talk me into leasing with a down payment or financing with a down payment but the payment would be {$390.00} a month. I walked away from that as I had a bad taste in my mouth from dealing with the salesman. 
The next day I received a notification that my credit score had changed. The XXXX finance manager ran my credit with 3 different banks trying to get it approved. Each hard inquiry was a 3 point hit on XXXX. I feel they should have asked me after the first bank did not approve their terms, not keep trying. I don't believe I was treated fairly.
ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, I HAVE BEEN AWAITING TO HEAR FROM UNITED RESOURCE SYSTEMS IN REGARDS TO MY RESPONSE TO THIER RESPONSE, BUT I HAVE YET TO HEAR BACK FROM THEM IN REGARDS TO MY RESPONSE. AS UNITED RESOURCE SYSTEMS IS NO DOUBT AWARE THEY HAVE LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNT INFORMATION WITH ME ACCORDING TO THE LAW, THEY HAVE ALSO NOT PROVIDED ME WITH A COPY OF WHERE I HAVE A LEGAL OBLIGATION TO PAY THEM ANY MONEY FOR THIS ALLEGED ACCOUNT. MY COMPALINT NUMBER THAT I PREVIOUSLY HAD WITH THEM IS XXXXCFPB PLEASE FORWARD THIS TO THE COMPANY, THANK YOU. 

This 2nd complaint is being filed against United Resource Systems in response to the above reference account that United Resource Systems has reported and listed on all three major credit reporting agencies ( XXXX XXXX. Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 XXXX b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to ALL three of the major credit bureaus ( XXXX XXXX this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that are found on all three of my credit reports by your company, or companies that you represent. I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST UNITED RESOURCE SYSTEMS FOR THE FOLLOWING : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
EOS CCA called X/XX/2017 asked for personal information. Never sent a letter stating who they were or what they wanted. started calling again a month later never stating who they were or why they were calling again no letter??
Please remove the following unauthorized inquiries from my Transunion credit report : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX
To whome it may concerned, Hello, My name is XXXX XXXX and I would like to inform you guys that I haven not been able to get my late payment removed from my record. This is not a complaint but rather a request to have my late payment removed from Experian Credit reporting agency. In XX/XX/2016 I had death in my family and had to travel back to my country XXXX. Before leaving I had called my credit card company to let them know I wont be able to make a payment for at least 3 months because my mom passed away and had to go back to my country where there is no internet connection. The representative I was talking to assured me that it was totally fine and she would notate my account and suggested to make a make after I come. After I returned back home I found out that my credit card company had alredy reported my payment history as 60 days late. I then contacted Experian several times to have that late payment removed but it was unsuccessful. I totally understand that the experience is unable to remove my late payment because I do not have any evidence to prove why was I late. Therefore i do thank Experian for trying to work on my dispute on time even this they were not able to help me. Hence, here I am making a request to you guys if there is any way my issue could be resolved here. I would be very grateful towards you and your organization for whatever the help I could possible get so my late payment history will be removed. 

Thank you Sincerely XXXX XXXX
I Applied for a loan modification and was approved but the interest rate stayed high at 4.25. Before i applied for a modification my interest rate was 3.75. What Ocwen did was offer a second loan and not charge interest on it but it will still be due at the end of the loan term. 

I am one of the affected home owners for the ocwen settlement and I demand that My Mortgage gets the proper loan credits that I am entitled to as per the settlement I am entitled to demand a permanent principal reduction of XXXX XXXX on my loan as a complete loan forgiveness. When I was under a review for modification my account escrow balance was changed several times and i filed several complaints back then. 

I demand under federal laws that my Loan gets credited XXXX as well as my Interest rate to be dropped as low as 2 % for the remaining term.
Midland Credit Management tried to collect a debt I did not owe. They only contacted me by phone, never in writing. 

Now, they have began to harass my wife for the debt. They have told her that the original debt was to XXXX. In their attempts to collect the debt from me, the never mentioned the original creditor. 

Their tactics seem to be working, as this situation has put a great deal of stress on our marriage. 

Even if I ever owed this debt, I believe that Midland may not contact a family member to discuss it.
I received XXXX overdraft fees to my bank of america checking account. I made sure to check my balance before sending EVERY payment I made, yet I still magically received XXXX overdraft fees yesterday. I have had this problem before, but the cause never dawned upon me until today. 

I received over XXXX charges to my checking account from bank of america dating back to XXXX XXXX on XXXX XXXX! It did n't matter that my " Available balance '' was fine when I made each and every transaction. It turns out that my " Actual '' balance that differs from the on screen balance was hit with charges from last week YESTERDAY, which made me go below zero and receive x2 {$35.00} overdraft fees. 

I was n't informed of the reasoning until I called into Bank of America and was informed that it 's out of their control when other companies decide to post their transactions. I was n't aware that various companies ( XXXX, XXXX and XXXX XXXX XXXX XXXX ) could mysteriously decide to post their transactions dating up to a week back all on the same day. I smell something fishy.
I 've never been a day late nor a dollar short on any payment. I got a loan modification without missing ANY payments. Approximately 3 years ago, Wells Fargo reported that I missed XXXX payments. I disputed that via this website and was shocked to receive a call from Wells Fargo apologizing for the error and promising to remove the false derogatory from my credit. They did, but a while later they put it BACK on. I disputed it again, and again they removed it. Now I am refinancing, and they are reporting that I missed XXXX payment 40 months ago. LIES! How do I stop these miscreants from persecuting me this way? I am in mid-refinance, and this derogatory has already cost me {$3000.00} - it may cost me my loan lock at 3.625 % as well.
I was promise by United Wholesale Mortg age ( UWM ), a Lender Credit of  {$2300.00} at 4.25 %. The final interest rate remain at 4.25 % but lender did not give the credi  t. Said that Broker did not locked the rate and cost change taking away the credit and charge on top {$1100.00} as Origination Charges.
First Estimate    XXXX   XXXX ,  2017 , shows rate unlocked,  XXXX   XXXX ,  2017   Estimate  shows rate locke  d, but Lender Credit taking away.
Second issued is that I was Double Dip on FHA UFMIP, paid in front and amount also added to/on principal loan.
I purchased a condo in XXXX County, Ohio XXXX in XX/XX/XXXX. Since that point, my Mortgage lender, Huntington National bank has not paid any of my county taxes due in XX/XX/XXXX or XX/XX/XXXX, and my mortgage states that Huntington is responsible for that. Huntington has,  However payed over {$13000.00} out of my Escrow, ( making it over {$10000.00} net negative ) to 4 parcels that I am not, and have never been associated with. On XX/XX/XXXX, I saw my mortgage statement increased from my regular {$400.00} to {$2600.00}. I contacted Huntington mortgage department on XX/XX/XXXX, spoke with XXXX, who discovered that those 4 parcels being paid from my escrow did not match my name or address. She also noted that my parcel was not listed. She told me to call back on XX/XX/XXXX for resolution. I have since spoken with multiple other people from Huntingtons tax department, including Supervisor ( name available ). They are continuing to do research but still do not have a resolution. At this point, {$2600.00} is scheduled to come out of my checking account towards my mortgage, due to Huntingtons error. And my county taxes are still delinquent, but huntington has verbally told me they will cover all penalties and fees associated.
Bank of America put a hold on my account on XX/XX/XXXX. I called to find out why. They kept transferring me to different departments for many hours before the informed me that someone reported fraud on my account. I asked them for more information they would not give me. The next day the hold was removed and I thought it was maybe an error. However, on XX/XX/XXXX, the bank closed my accounts and when I called they said it was due to I received money ( XXXX ) fraudulently. They said someone hacked into another person 's online account to transfer the money to my account. 
However, I have evidence that the money was legitimately sent to my account by the account holder ( so it was not fraud ). I have evidence where the account holder threatened to reverse the transaction. This, I believe was in order to scam me. I told the bank this but they would not listen. They would not see that I am being scammed. The bank did not carry out a thorough investigation as to if fraud actually took place in the transfer of funds to my account or if the account holder is just telling a lie to frame me. This happens even though I am an XXXX of the bank! I feel this is discriminatory and BOA should review their records and reopen my account and remove the debit of XXXX because the account owner definitely authorized the transaction.
Hello team, I would need your help removing a credit inquiry done by Citi on my XXXX report without my consent. 

On XXXX XXXX, I had requested for a credit limit increase in Citi website and I clearly remember it DID NOT mention anything about pulling a credit report. As soon as I entered my annual income details with expected credit limit and submitted the initial form, I just got a message that decision will be mailed to me later. 

The next day, on XXXX XXXX, I received an E-letter in my Citi account as : " We ca n't approve your request because you currently have the maximum amount of credit we allow without your consent to obtain and review your updated credit report '' This clearly indicated that it needs my consent further to get the credit limit increase along with a credit report pull. Since I did n't want a hard inquiry, I did n't take any action. But Citi sent me another E-letter on XXXX XXXX as : " We 're unable to approve your request because your credit limit is at the maximum amount our policy allows relative to the total income you provided. " In any of the requests which I submitted, I NEVER gave my consent to have a hard inquiry on my credit report. Even the letters which they sent me just mentions about not able to approve the increase because of the income. However I noticed a HARD INQUIRY on my XXXX report from Citi on XXXX XXXX. 

It is very clear that, I DIDNT GIVE MY CONSENT for this hard inquiry. I brought this to attention of Citi customer service immediately and have been following up with them from XXXX XXXX week, but without any successful outcome. Even after contacting them over call, fax, and over website several times, they are reluctant to agree that inquiry was done by mistake. 

I have requested for credit limit increases in the past ( I just had requested one for the same card in XXXX 2014 ) with a hard inquiry and am aware of how the prompts for hard inquiries will be. 

Further, it does n't make sense that they declined my request ONLY BECAUSE my current limit was already maxed for my annual income, which did n't need the credit report at all. 


I would like to escalate this now. Since it is done in error from Citi, I would expect their credit department to get it removed from my credit report. Please let me know if you need any further details. 

Regards
It has been 3 weeks and the problem still has not been fixed by Coinbase. I can not access my account and lost a lot of money due to Coinbase delays in resolving the issue! They have emailed me twice with the same information and instructions that they repeat over and over. The steps they are asking me to do have been competed numerous times. They do not give me anything new, other than sending the same script emails.
I was financed by Toyota financial services XXXX@22.9 % interest my credit score at the time was XXXX and so was my cosigner low XXXX 's. the terms of the loan were for 60 months, I asked for a simple interest loan. I was told if I paid early my money would apply towards the principal balance, that did not happen, all my payments were applied mainly to interest and a very small portion to principal. During the course of my loan I did take XXXX deferments with the understanding that they would be added to the end of my loan. So my maturity date would have been XX/XX/XXXX but it ended XX/XX/XXXX. 
So each month I was paying a little more than the balance due to help prevent further interest charges, but I did not see any benefit during the life of my loan. 
Every statement did not have any late fees or " other charges '' due on my statements, then I look at my final payment on XXXX/XXXX/16 for {$3900.00}, I was appalled. Where did those charges come from? 
I inquired with Toyota Financial and they advised it was from my XXXX deferments, and interest during that time. 
{$3900.00} in interest and fees? That is unfair, unreasonable, deceptive and predatory. 
I have asked three times for my payment history and have not received it. 
I took out a loan to pay my final payment of {$3900.00} because I did not want my account to charge off or to not receive my title.
XX/XX/2015, more than a month ago now, I completed a refinancing of an existing mortgage. The new lender transmitted the payoff amount to the old lender, Ditech. Ditech acknowledged receipt of the payoff amount, and they " closed '' my account. However, Ditech acknowledged that it owed me the balance in my escrow account, which is approximately {$1900.00}. To date, Ditech has not sent me a check for the escrow balance. I have attempted to contact Ditech but I have received no reply. Ditech understands that the escrow balance is due to be paid to me, not to my county/town tax authorities ; the new lender already paid the biannual payments which were due this month, and Ditech has been made aware of the tax payments. Please contact Ditech to demand that they send me the escrow balance without further delay. Thank you in advance for your help.
Experian continues to let XXXX XXXX XXXX XXXX put new negative information ( NP as of XXXX XXXX ) on an account that is clearly marked closed and was closed almost 2 and one half years. In XXXX I tried to handle this with the Bank and Experian. In XXXX I filed a complaint with YOU and Experian and the Bank. I was assured it would not happen again. On XXXX XXXX, XXXX Experian allowed XXXX XXXX XXXX XXXX posted a new NP ( Non Payment, the most harmful to credit score ) for the month of XXXX on the CLOSED ACCOUNT.. The loan was a V/A. Mortgage that I was foreclosed on. So XXXX XXXX XXXX XXXX was made whole to the tune {$60000.00}. grand and the V.A. bought the house at a price to make them whole and make about 10 Grand. Despite this XXXX XXXX XXXX XXXX has continued to harass me by making false claims on my Experian Credit Report and it appears Experian is in on the harassment.We lost personally over {$50.00} XXXX on this house. The V.A. appraiser and the seller were fishing buddies. The seller bought the house back after foreclosure for {$170000.00} and we paid {$240000.00}. We tried to get a HARP but XXXX XXXX XXXX XXXX  hired the same man to appraise the house. He did not want us to get a HARP so we could stay.
I met a friend of my friend apparently he works at Wells Fargo. I did n't know they could open up accounts with just your nAme and phone number .... Now I have am account open which I did n't authorize