WillisBack/dataset-financial-user-claim huggingface dataset:
I did a loan modification with Chase Bank under the federal HAMP program on XXXX of XXXX, during that time, I had financial hardship and was approved for the loan modification. During the signing of the documents, I noticed a clause of a balloon amount of {$210000.00} at maturity date, I asked the processor about the clause and the answers was, not to worry, that was the accumulation of interest during the life of the loan. During the following years I called the bank to do the same questions about this balloon amount and the answer was always the same, not to worry this is the accumulated interest for the life of the loan. 
Recently I received an offer from Chase Bank to recast the loan, the bank sent documents for me to sign, I noticed the same clause, but now with additional notes, ( attached the recast documents ). In my curiosity, I called the Chase Bank to ask about this clause, but this time they informed that this was an amount that I needed it to pay if I were to sell or pay the property off. 
My Complaint is as follows, I looked to Chase Bank for help under the federal program HAMP to save my property, instead of helping me, they deceit me, with malice and purpose. From day one, their purpose was to defraud and gain from a home owner in hardship. I came in with a debt of {$360000.00} and came out with a debt of {$530000.00} just by signing this contract. Chase Bank did not help me at all, instead they defrauded me as they have done with thousands of customers. 
I plead to the federal government to put these greedy thieves in jail and make them pay for all the suffering and stress they have caused to the honorable people of this great country.
Citibank has a promotion that offers a {$300.00} cash bonus if certain conditions are met. One condition is to make at least a {$15000.00} deposit that is to be kept in a checking account for 60 consecutive days after the account is opened. Another condition is that within 30 days one qualifying Direct Deposit must post to the new checking account each month for two consecutive months after opening the new account. This last condition is difficult, if not impossible, to meet, especially if the so-called qualifying direct deposit originates at a government agency such as Social Security. Such an agency may require up to 60 days to make a direct deposit to an account. I have brought this matter to the attention of a bank 's customer service representative. That person stated that the bank may make an exception in such cases, but he could ensure me to give me this in writing. I am of the opinion that the bank 's management is aware of the inability of prospective clients to meet the time-restrictive Direct Deposit requirement. Some clients may not have read the fine print, opened an account with {$15000.00}, have a direct deposit post after the 30-day deadline and do not receive the {$300.00} cash bonus. Meantime the bank has the client 's money and earns a profit on it without compensating the client for the use of that person 's money. As far as I am concern this is a scam and an unethical business practice by Citibank.
I am unable to log in to the Discover website : XXXX. I attempt to reset my password ; but, it tells me that XXXX of my security information questions is incorrect ; which it is not ( the model of my first car ). The website is the one that is wrong. I was being told, it was information pulled from public records. Then, the public records are wrong. I know very well what my first car was. The site will not let me sign in with another e-mail address. This needs fixed and yesterday!
On X/X/2017 I checked Equifax 's equifaxsecurity2017.com site to see if my personal information was compromised by this year 's cybersecurity breach. The website told me, " based on the information provided, we believe that your personal information may have been impacted by this incident. '' With access to my personal information that I believed to be secure in the hands of Equifax, I am worried that I am now at risk of identity fraud/theft and have had to go out of my way to place alerts on my file. Why was I not notified of this? I believe, as a consumer, the information we entrust credit reporters with should be treated with the utmost security and respect, and we should be notified immediately if it is compromised. Instead, I did not know my identity was at risk until I read the news.
Also, when checking the website, they attempted to convince me to sign up for a service which is publicly known for containing an arbitration clause. I find it outrageous Equifax expects us to waive our legal rights after this has happened.
CFPB, I received a notice on XX/XX/XXXX from Chase Bank about " Important Changes to Your Account Terms. '' I have been a customer of Chase Bank for 27 years. My current rate is : 8.24 % and its being increased to 13.24 % ; that is 60.67 % increase! I contacted two account reps on XX/XX/XXXX and the increase is due to " aligning all customers with similar accounts to new APR. '' The document says " your APRs are below the lowest APRs we currently offer on similar accounts. '' The account reps said it was NOT because of any problem with me, but its happening to all customers. I asked if they could give me a lower APR and they responded, there was nothing they could do at all ; is this legal??
XXXX is attempting to collect and sue over an account that was paid in full by XXXX insurance provided by GE Capital in 2012. This debt is false. I am being harassed over the phone with multiple phone calls back to back and they have come to my home at XXXX threatening my spouse
Chase Bank closed my account without notification for a mistake that they made and I had to wait almost 30days to get my money back because of their hold policy on an account less than 30days old. They closed the account with XXXX $ still in the account and did n't say why it was closed just when I went to use it I got denied. They wo n't close this account until almost 20 days since the account was in process of closing. They have no reason to hold the money because they will not allow any transactions to go through. This has almost messed up my daughters child income not allowing despisers to be made. They have lied about why and how long they would be holding the money and I can not access my own funds.
Hi, My son got a credit card from Wells Fargo and he was not XXXX and per the law does n't he need a parent to co sign of the credit card? He was issued a card at XXXX and did not have a parent co sign on the card. He is in debt {$1700.00}. A law was passed in 2009 aiming to protect consumers from mistreatment by credit card companies. The law included the following provisions : 1 ) card companies may not change interest rates unless a payment is late or the card has a variable rate, 2 ) credit card bills must be delivered at least 21 days before their due dates, 3 ) adults must co-sign on accounts for someone under XXXX XXXX XXXX, and 4 ) credit card contracts must be posted on-line. 
See # XXXX I am outraged with Wells Fargo preying on children that are not XXXX giving them a credit card!!!!!! 
Sincerely XXXX XXXX
XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XX/XX/XXXX) XX/XX/XXXX, ( XX/XX/XXXX ) Reporting 30 days late ( Account Never Late )
Spouse fails to meet deadlines for refi Spouse fails to meet deadlines for assumption Spouse fails to pay home, stopping payment during assumption putting loan into modification I completed modification Requires spouse to sign to " official complete " modification for deliqunency to be removed so I can assume loan Spouse refuses to sign loan modification I have live in home entire time over 7 years  Spouse  moved out  XXXX / XXXX /  XXXX   I paid all bills Spouse causing harm I provide safety, security provide shelter to  alll   XXXX  children and  XXXX  child has   XXXX     XXXX   XXXX , renovated home and purchase and a air condition system specifics for   XXXX   XXXX   XXXX  control humidity to prevent  XXXX  illness from worsening The fair right act Causing harm to family
I mailed a letter asking TransUnion to add a credit account on my credit report. The creditor did not report the account to the Credit Agencies. They told me to write a letter to them giving them the name of the creditor, account information. This way my credit history builds up. Trying to rebuild my credit and the information was missing. I paid off the account in full and would like to get credit for that. The letter was sent certified, I got a letter back stating that the information I was disputing was not on my credit report. The letter states it is not a dispute rather correction since it does not show on my credit report. The creditor told me to contact all of the XXXX credit agencies. TransUnion does not give you the opportunity to add accounts that are missing.
I believe I was a victim of Navient as I was misguided to apply for deferment when I requested a lower monthly payment. I became unemployed in XX/XX/XXXX, a job of 20 yrs due to the economic collapse. I was told because I was not on a student loan but on a parent plus loan I could not get a lower payment.

As I struggled to find a decent paying job in XX/XX/XXXX my deferment ran out and when I called they told me to apply for forbearance.

In XX/XX/XXXX I gave up on finding a decent job and applied for social security. My forbearance ended so again I called Navient about lowering my payment per month. The agent just said they could not do that as I was a parent on the parent plus plan. After I said I did not know what to do as I could not afford {$470.00} a month she told me she was sending out some paperwork. When the paperwork came it was all to do with refinancing and I was confused. Then at the end of all this paperwork I found an income-driven repayment plan. I have filled only that plan out and sent that back to them several days ago.

My account shows I accrued {$6500.00} interest from XX/XX/XXXX to XX/XX/XXXX plus capitalized interest of {$9900.00} My daughter started at XXXX  University in XX/XX/XXXX
A company called nations recovery call me often every time I answer they hang up never telling me a thing, when I call them back to find out information they hang up on me. I want them to stop calling me. I have no idea what they want. the number they call from is XXXX
XXXX XXXX is a fraudulent bank account that was opened in my name. I have spoke to a security officer in which the account was supposed to be deleted from chexsystems, which it is still showing. I have  contacted my lawyer as well with this information to come to a resolution
I am requesting the removal of two judgments and four bankruptcies ( below ) on my XXXX and other reports due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. XXXX XXXX XXXX XXXX . I did not know the source of their information on those judgments and bankruptcies and due to this XXXX has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with XXXX XXXX verifying and I contacted them on XXXX and stated it was not. Judgment XXXX AND XXXX Bankruptcies XXXX XXXX XXXX and XXXX
XXXX XXXX is reporting on my XXXX, XXXX , & XXXX  credit reports that I owe them {$150.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?
Barclays through XXXX XXXX was paid off infill on XX/XX/XXXX with multiple verifications, that being Barclays phone support, XXXX online statements which it was paid with, and XXXX XXXX XXXX XXXX via phone and email and PDF. Credit bureau still reports that my account has a XXXX  dollar balance as of XX/XX/XXXX which would be 6 months after fulfillment of payment and cancellation of account. They refuse to give me a PDF copy of my last statement showing my XXXX balance, refuse to give me a confirmation of my XXXX balance to show my bank, and are even arguing with their collection agency ; XXXX, on giving them a statement with my account ID and account number being shown in the statement.
When it came time for payment it would say it had been paid for on my Navient account. After 7 days they would then try to take the money out. My account would have money in on day it said it was done and paid for. Then they would overdraw my account 7 days later.
Purchased a XXXX Volkswagen Jetta Sedan, used, VIN : XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 
Phone : XXXX. 
Purchased Mechanical Failure Service Contract dated XXXX/XXXX/XXXX for {$1600.00}. Issues with car from onset of purchase. Was told at time of purchase to bring back to dealership with any concerns. Did so, was informed the XXXX individuals that assisted me were no longer employed. They could not assist me. They wanted me to trade the car versus assisting me with the utilization of the warranty. 

Well due to mechanical issues and such, I have requested Capital One Auto Finance pick up the car as a XXXX repossession. This was done on XXXX XXXX, XXXX. The automobile insurance has been dropped and the tags returned to the state, but the car is still sitting in my driveway. 

Capital One states there is a legal issue in picking up the car as a XXXX repossession. I feel there was a breach of contract in the mechanical failure service contract. 

Please assist me in resolving this issue and understanding why the service issues were ignored by XXXX XXXX XXXX and why Capital One will not repossess the vehicle.
I went to XXXX school back in XXXX and received a loan from Sallie Mae for the amount of {$8000.00}. I made payments to Sallie Mae until the loan was paid off at the end of XXXX. I never received paperwork or anything in the mail showing a payoff of the loan. I moved to the east coast from XXXX XXXX to XXXX in XXXX and thought the loan was paid off and in XXXX they garnished my husbands federal tax returns through a company called Navient and sent the rest of this bogus loan amount to a collections company out of XXXX XXXX called XXXX XXXX XXXX. 
Tried calling Navient to figure this loan amount out that was already paid and I get no calls back. XXXX XXXX say they are collecting on Sallie Mae 's behalf also, but nothing is on my credit report regarding student loans or these amounts. Navient has took my husbands XXXX & XXXX tax returns totaling over {$5000.00} and now I need some help getting this debt that was paid removed before they try and garnish his wages too. They are liars and crooks and they are ripping off the hard working American people.
My credit card erroneously debited my bank account ( PNC Bank ) for the entire card balance instead of the payment submitted. There were insufficient funds to cover the payment, which was XXXX my bank balance. PNC Bank approved the charge, adding overdraft fees and leaving me $ XXXX overdrawn, with my rent and bills STILL DUE. 

The credit card company, XXXX, is refunding my account - but the transaction should have been declined by PNC Bank in the first place, because now I will have late payment charges for my rent and other bills since that process takes 5 days. 

This should never have occurred in the first place. The charge should have been declined for insufficient funds, leaving my bank balance intact.
RE : Elan Financial Services Cardmember Services XXXX. XXXX XXXX XXXX, ND XXXX I had the worst possible experience with Elan Financial Services. I needed to exceed my credit limit this one statement cycle, because an immediate payment was necessary to a travel agency for a trip booked within less than 90 days. 
Elan rejected it, because it caused my credit limit to be exceeded. 
Understood. 
However .... 
After spending hours, almost the entire day of XXXX XXXX, 2016 back and forth on the phone with them being given false promises, complying with their every demand and going out of my way to accommodate their unreasonable requests ( like faxing the last two years of our taxes ), they still did not allow a credit card payment to go through. I even gave them the routing number and account number of my online savings and offered to pay what was already posted for that month + what the new charge would be - immediately, before the new charge even posted. 
They would n't even allow me to do that! 
I had no recourse. Furthermore, I was strong-armed into applying for a permanent credit line increase, which I neither need nor do I want. They were, in essence, messing with me. 
BTW, I have never carried a balance in my life and I 'm XXXX years old. Our credit rating is exemplary. 
So, I 'm having a hard time letting this rest. My first question to legal counsel here was about whether Elan Financial Services had the right to require faxing of my tax forms. He said that he had never heard of that, but that a credit card servicing organization is, technically, a creditor, so maybe they do have that right. In regards to your question below, I neither hired an attorney nor filed legal action - yet. I paid for counsel and my lawyer advised me to file a report with the CFPB. 
I posted the payment to another credit card before day 's end, but that lost me points in cash-back, hence the {$110.00} that I am claiming as damages. That 's all I 'm claiming ; however, further damages are to my XXXX score because of an unnecessary hard pull, which has no intrinsic value attached to it, I guess, but the cost in terms of my time and aggravation is over the top. 
I ca n't even begin to describe how rude and disrespectful they were to me. 
Thanks for your attention to this matter.
Experian fail to delete negative information on my credit report history even though the results saids that personal wrong information has been deleted.
Opened checking account with Wells Fargo. Noticed {$20.00} charge on the account. Inquiry showed that they sent me checks, which I did n't order. When I complained about that they refused to refund the fee.
When I tried to get a refi loan on my home. I was told I had co-signed on a car loan at a XXXX XXXX XXXX in XXXX XXXX, CO on XXXX XXXX. It is a joint loan with an XXXX XXXX XXXX and was given a name of XXXX XXXX. My name is not XXXX XXXX and I do not know who this person or person ( s )  are. I reported the error to Experian and they refused to remove this person from my credit report. I have since contacted the police in XXXX XXXX, CO and they are investigating the incident. I do n't know if they have used my social security number or my deceased husband 's but need to have this corrected as soon as possible. I ca n't seem to talk to a person at Experian so need some help getting this corrected asap. Experian seems to take the side of the credit union instead of listening to me. It is very frustrating. The same error is on my XXXX credit report. Thanks for your help.
I previously disputed both referenced accounts above on XX/XX/2018 with a dispute letter included in this dispute to XXXX XXXX, XXXX. The XXXX credit report dated XX/XX/2018, report # pg. 21,22 shows the debt collector at the time was XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, for account # {$1000.00}. 

A XXXX credit report dated XX/XX/18 enclosed with this dispute on pg. 4 of 6 results shows the account # {$1000.00} was deleted! 

Account # for {$690.00} was also disputed along with the previously disputed letter to XXXX XXXX indicated in the letter. 

Now I notice these items have been reinserted on my credit report under COMMONWEALTH FINANCIAL SYSTEMS, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX. 
Also, the account under collector, COMMONWEALTH FINANCIAL SYSTEMS for {$690.00} is the same account under account # for {$690.00} was also disputed at the same time as account # for {$1000.00} In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.
Equifax security breach exposed my social security number and account information which is sadly floating around on the web and will be for the rest of my life. 

I attempted to call equifax to place a 90 day fraud alert but could n't get through. I repeatedly tried, including the online service and was unable because of server problem.
I have been told by XXXX XXXX XXXX, that I was given a Parent Plus loan in the amount of XXXX by Navient for my son 's college. I have letters from XXXX XXXX for XXXX and XXXX denying me the loan due to information on my credit report. I was told by Navient as I entered the time I was able to start paying back my loans that I should consolidate first. So I did that. I have been in repayment for almost a year under the public service payment plan as I am a XXXX XXXX XXXX. Due to the parent plus loan being consolidated I can not qualify for a payment I can afford. Each time I call someone they tell me to call someone else. I have always been prepared to repay my loan but now it is close to 178,000 because of interest and me being in forbearance for so long. I want to continue making payments but I ca n't afford the XXXX per month, I am a XXXX! I did not qualify for the parent loan. I have letters proving that from XXXX XXXX. How did that loan go through. I feel it was deceptive practice and I need resolution so I can afford my monthly payments.
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.