WillisBack/dataset-financial-user-claim huggingface dataset:
I lost my home purchase due to lender completely ignoring my loan. My loan went into underwriting on XX/XX/XXXX and was suspended due to my XX/XX/XXXX income was lower. Underwriter asked for a letter of explanation regarding my income. Underwriter got to my file again on XX/XX/XXXX. According to her since my income dropped over XXXX % I need to meet an extenuating circumstances, which according to her HUD did n't see XXXX leave as an extenuating circumstances. So, she moved my file to her manager pending on denial. Once I new she was not taking the letter, I called HUD and per Hud they see maternity leave as hospitalization. Now this happened in XX/XX/XXXX, I 'm applying for a loan in XX/XX/XXXX. I have not filed XX/XX/XXXX yet because I wait till XX/XX/XXXX. So after calling, emailing from XX/XX/XXXX, the Broker was able to talk to the underwriter manager XX/XX/XXXX, turns out underwriter never put my file in her managers pipeline and she was able to review it briefly and said I never needed an extenuating circumstances and she should just do a manual underwrite. Send the file back to the original underwriter. At this point they new I had a notice to perform and only had 2 days. This was a Friday. Not even because she dropped the ball and never put in the managers pipeline and and never need e to meet an extenuating circumstances she bother to rush my loan. Monday came and nothing, no emails no calls no status at all, as if I never existed. Seller cancelled on Tuesday and I finally request for a loan cancelation. I tried multiple times to explain the maternity leave was the reason why my income dropped and she should not suspend my loan for that. Till this day I never heard back from anyone around FirstCal wholesale, I 'm not sure why they decided to ignore my loan without any explanation after manager had agreed the the letter of explanation may sense and she should conditioned accordingly. I 'm not sure how to take this, I ca n't help but take this personal I 'm not sure if I should be looking at this as discrimination. All I know is that I lost the home, I lost some money I the process, my kids are broken hearted. It 's tuff getting an offer accept now a days with a low inventory and prices rising up. I would like someone to look into this, because it feels awful that no one bother to prioritize my loan, as if my loan did n't matte ; so I can meet my the deadlines in my contract. I can tell you that this for sure was not a fair lending at all, it was extremely XXXX a day frustrating.
On XXXX/15 I disputed this debt with Transunion as well as the collector claiming that I am no longer liable for the account. Debt Collector agency is XXXX which bought the account from the original creditor XXXX. The amount in question is {$750.00}. I closed my account with XXXX at the end of the service agreement period and I do not owe this money.
I financed a vehicle through Gateway Financial back in XXXX of XXXX - since then, I have maintained an excellent payment history with them ( per the attachments below ) - never more than 1 day late. In XXXX of XXXX, I lost my job and my wife lost hers due to illness, which left us both completely out of work. Upon obtaining my vehicle, ( in which, I was rushed into signing documents and got caught in a loan that is ridiculously upside down from the very beginning ) I was told by my salesman XXXX, that if anything ever happened to just reach out to them directly and they'll be flexible with me ... ..almost 4 years later ... this was NOT the case. It has been a living horror story with XXXX  XXXX XXXX. I was able to notify and remain in good standing with all of our other creditors EXCEPT Gateway Financial. After falling on financial hardship due to loss of employment, In XXXX, I notified Gateway Financial of what happened to me and my wife - begging them for a lowered payment to try to maintain my vehicle or find out if there was any options to keep a negative impact from ruining my credit. They count the payments late but consider each month two payments because they are bi-weekly payments now versus monthly. I was in contact with XXXX XXXX ( senior account representative ) who always treated me poorly as if my financial hardship affected him directly. After speaking to him, many days I ended the phone call in tears due to the nastiness I experienced with this company. I reiterated over and over about how I've maintained an immaculate payment history with them and begged for options to avoid my vehicle being repossessed ... .after being lied to and declined for no probable cause, my vehicle was repossessed in early XXXX. After the repossession, I made contact with XXXX XXXX once again and as normal - he was very nasty to me. About 2 weeks went by without transportation, and I finally decided to call to see if there was some way of obtaining my vehicle back. Again, I spoke with XXXX XXXX and he LIED to me and advised that if I paid {$300.00} before XX/XX/XXXX - I would be able to avoid the impact of having a repossession hit my credit report and be able to hold my vehicle from going to auction. After that, I would then make payment arrangements to get my vehicle back. THIS WAS A COMPLETE LIE!!!! I have attached the proof as well. I never got my vehicle back ( it was sold ) and the payment arrangements did not stop the impact to my credit report. Gateway Financial also LIED about sending me out proper paperwork in a timely fashion, these people sent me paperwork on setting up a lowered monthly payment AFTER my vehicle was repossessed. I never received it, and I have several calls to them on a recorded line demanding my paperwork in a timely fashion. This has hurt my ability to obtain credit or move forward.
Back in XX/XX/XXXX/XXXX  of 2017, I made my mortgage payment thru XXXX  thru a wire transfer. Fay Servicing contacted me on the last day of the month and stated I had to made by mortgage payment. I immediately gave permission to make a payment at that time. The next day was the XXXX  of the month, and upon checking my account, I noticed that Fay  Servicing had already been paid the previous month on the XX/XX/XXXX. I immediately stopped the telephone payment and contacted Fay Servicing to find out why the rep had lied and told me I was late on a payment, that had already been paid. Since that time, my rep has changed 4 times, and no one seems to be able to help me. Currently, I have 3 late  payments this year, and once I realized the discrepancy I immediately attempted to have an investigation done, to no avail. The conversations are recorded and I have all of my transactions documents. In the meantime, the payments are current.
They call up to 8 times a day from spoofed numbers. They are rude and use obscene language and wo n't tell me where they are calling from. I call back and then I can get the name of the company. They called at XXXX XXXX also
These XXXX leaked my information to XXXX and everybody. Please send them to XXXX to be XXXX, where they know how to handle these kinds of things.
I have contacted this bureau over 45 days ago to remove all unauthorized inquiries listed below. I have not heard back from them and every time I call i get a different story. They are not willing to cooperate in removing these unauthorized inquiries they are reporting that do not belong to me. This needs to be fixed because it is wrong. This is holding me back from obtaining good credit.
I have recently started to repair my credit with the assistance of XXXX XXXX. During my review of my credit reports there had been a hard pull by Trans Union as a request by a Mortgage Company called XXXX XXXX, located in XXXX Texas and it is a Military Financing Company. 

XXXX XXXX sent out letters to both Trans Union and the Mortgage informing them that I had not applied for a Mortgage and that the information should be removed from my credit. 

To date I have not heard from the Mortgage Company and Trans Union refuses to accept liability.
I recently received a letter from the local courthouse that I am being sued by a company I have never heard of. It states I owe money to XXXX computers from XX/XX/XXXX which I do n't own and that I was contacted in XX/XX/XXXX and refused to pay. I immediately XXXX the company and all the links state that this company, Asset Acceptance, is a fraud and to beware of giving them money. Seeing as I have never heard of them and they are now taking to court, my alerts are going up and I do not know what my next step is. I have no money and I am a single mother and now I 'm being sued for around {$4000.00} from some company that never contacted me prior to this.
I signed up for a Citigold card in XX/XX/XXXX. Citibank said that they would give me a {$400.00} for signing up. I satisfied all the terms. Yet I have n't received the bonus. I 've complained to the brank about this over 15 times. They keep " investigating '' but no bonus for me. This is fraudulent and deceptive. I am XXXX years old. This is deceptive to seniors!
Specialized Loan Servicing ( SLS ) recently wrote to inform me that I did not provide them with all the documents needed to complete my modification application. This is untrue and follows the pattern of months of having to resend documents multiple times. In fact XXXX of their agents informed me today that the document first thought missing was actually sent by me on XXXX XXXX. As a result of not acknowledging or accessing all available documents for their review, I was informed by an agent today that I have to restart the modification application process. I first started this process with SLS on XXXX XXXX, 2016.
First and foremost I owe the company. How ever they hired someone to collect the money. He or she contacted me after XXXX and made empty threats to me and said they already made a visit to someone who they scared so bad to pay them. XXXX advised when I can pay in full and they continued to threaten met and said only way they leave is me paying or by the cops at my work. I asked not to be bothered at work but they declined and said they will see me the following day.
XXXX and Experian are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of XXXX over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. XXXX has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.
I realized in  XXXX  of  2017 th at my interest rate was changed. It is currently 29.9 %. When I opened the account it was in the low teens. I did have one late payment in  XXXX  on this account. I have called the company, they offered to increase credit line and lower future rate, but would do nothing on my current rate. I would like a full accounting of when and reasons why my interest rates were changed since the inception of my account
My HAMP loan was transferred to CitiMortgage about 2.5 years ago. Something went wrong with the transfer of paperwork and I have been subject to harassment by Citi ever since. Three weeks after the transfer XX/XX/XXXX, when I had n't received any further paperwork including the monthly statement and bill, I called Citi to ask where I should send the payment for that month. They told me I was in the foreclosure process since I had n't paid my bill in 3 months. They refused to accept that I was not with their company during that time period and refused to send any paperwork. Since that time, Citi has threatened me with letters and phone calls and at one point, a $ XXXX " lawyers fee '' for not paying them what is not owed them. It took hiring a lawyer to get the fee removed, but Citi has continued to refuse to acknowledge my multiple requests to fix the start date. They messed up my escrow payments, and have recently removed me from the HAMP program without my consent, stating I no longer meet the qualifications since I refuse to pay them what is not owed them. I am at my wit 's end. I am ready to sell my house just to get rid of the harassment. If this is what home ownership is, it 's not worth it. Please help.
On XX/XX/ I received a fax from XXXX XXXX   showing my account was closed and paid in full with a XXXX   balance. I'm in the process of purchasing a new home for my family and the lender told me i had a recent late payment from XX/XX/ from XXXX XXXX. When i contacted them about the problem they told me i had some sort of late fees which was never brought to my attention at the time that i paid the account off in full. Then i pay the so called late fee which was in the amount of {$27.00} in which they credited back to me but refused to remove the late payment in XXXX which cant be correct because the account was closed and paid in full.
A hard credit inquiry appeared on my credit report from XXXX XXXX which was not mine. I have never banked with XXXX XXXX, and I have never applied for anything from XXXX XXXX. After further investigation, the credit inquiry appeared under a different name than mine. I then saw on my credit report that the other person 's name ( we share the same first name, but not last ) along with his addresses and phone numbers appeared on my Transunion credit report. I called Transunion, and they were able to remove his name, phone numbers, and addresses off of my credit report. They told me, however, they would be unable to remove the inquiry without a letter of denial from XXXX XXXX. When I called XXXX XXXX, they told me they were unable to provide me with a letter of denial since my name and SSN did not appear in their records ( which makes sense, since I have never applied for anything from them ever before ). After calling Transunion back and talking to a supervisor, they assured me there was nothing they could do about it, and I would just " need to wait the two years '', even though on their own credit report it acknowledges that the inquiry is not in my name and is not mine.
Equifax has 2 inquiries I have disputed that have not been removed and I did not authorize These need to be removed immediately. 

XXXX/XXXX Inquiry from XX/XX/2018 National Credit Card XXXX. 
XXXX, XXXX. 
Inquiry from XX/XX/2018 All Others
I contacted Chase ( JP Morgan Chase and Co ) on XXXX/XXXX/16 and was told that the total balance was {$6900.00}. This amount was paid on XXXX/XXXX/2016 and Chase was instructed to close the account. The account remained opened and purchase interest charges were assessed on XXXX/XXXX/2016 and XXXX/XXXX/2016. There is now a balance of {$72.00} on an account that was suppose to be closed after the final payment was made.
there is a company called cashnet who keeps calling me multiple times a day at my cell phone number which has been on the do not call list since 2011 ... they call before XXXX XXXX.. and after XXXX XXXX and several times during the day. so far just today they called me at XXXX XXXX this moring XXXX again and then at XXXX XXXX ... I told t he one who called at XXXX don't call me anymore and to remove my number from their call list ... he assured me he would and promptly hung up.. an about two hrs later I get another robo call from the same company.. i called them back seven or eight times asking to speak with a supervisor and they kept hanging up.. and then she asked me what was wrong with me ... and i said i don't want you to call my phone anymore. she said well stop calling me i don't have time to waste talking to you. and hung up.. i called back and said when your company stops calling me i will stop calling you back. I have never given this company my info. i have never asked for a loan from them and they are harassing me and i want to press charges against this company.
While doing an extensive search of this company. I found out that their license has expired in the state of MD and majority of their offices are closed. The address listed on my credit report is not the same address listed in the search results.
i have file number of dispute that an Account Number : XXXX was open in my name by Ex wife or someone else ... the address where the account was open is not list on my credite report nor i have live there the email address on file is wrong also ..I have place a fraud alert on my credit report and contact Discover over and over about this account .Yet again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
tower loan services of Mississippi is keep pulling my credit without my permission they pulled it on XX/XX/2018 and XX/XX/2018 I want it removed from my report
XX/XX/XXXX : I received a notice from Chase informing me effective XX/XX/XXXX that the interest rate on my Mileage Plus XXXX Credit Card will be jumping 52.6 %, from 9.49 % to 14.49 % The specific reason is that " We are changing the Annual Percentage Rates ( APRs ) as described because your APRs are below the lowest APRs we currently offer on similar accounts. '' Notice they're saying the rates are too LOW compared similar cards, NOT the same card. 

For no reason other than they feel that I'm not paying enough. Too LOW. Chase is being nothing but greedy XX/XX/XXXX : I called Chase customer service. I spoke to a representative. I spoke to a supervisor. They don't care. In their eyes, the agreements we signed previously don't hold up. They feel we're paying too little. 

When I challenged them as to if they would lower the rate if similar cards had lower rates, they said no. 

I pay an annual fee in line with agreement. I pay my bills on time. I have had this card for almost 20 years, and for no reason, Chase decides to be greedy and try to gouge me and others. 

I accepted the rate hikes in XX/XX/XXXX as a result of the CARD Act as reasonable.

I accept that my rate can change subject to Prime changing.

I can not accept that Chase has decided my rate is too low and they're not making enough money off me compared to Similar products. I didn't sign up for a similar product. I signed up for a SPECIFIC product and Chase should honor the contractual agreements around it.

I am asking the CFPB to investigate my situation and others who are impacted by this decision. I would like to ask CFPB look into the rationale behind this decision by Chase Management.
This company can not validate or verify that this debt is owed by me. I have no knowledge of this account. Address marker used with account isn't mine.
On XXXX/XXXX/15 I received a letter from collection Agency to pay {$250.00} : CMRE Acct : XXXX The DEBT IS NOT MINE : I was billed wrongfully by Texas XXXX XXXX XXXX ( account # XXXX ) through the Agency " XXXX '' with account XXXX, last bill in amount {$250.00}. This bill was to be covered by XXXX XXXX, to whom they sent firstly the request, but on improper form, so did n't get paid. 

This bill is from my account # XXXX ( on XXXX form only, on XXXX account it is only the numeric part ) and should be paid by XXXX billing only, though despite of my repeated contact with Customer Service of Agency " XXXX '', the bill was n't sent properly to Texas Dept. XXXX XXXX. XXXX 'XXXX XXXX. I received XXXX such bills from " XXXX '' - their billing service : First bill from The Texas XXXX XXXX XXXX on XXXX/XXXX/15 = {$300.00} ( XXXX XXXX and XXXX ) ; Second bill on XXXX/XXXX/2015 for the same service had XXXX ( XXXX XXXX XXXX ; The XXXX bill statement is from XXXX/XXXX/15, for the same service ( XXXX ), but with a different amount {$250.00}, due to new service was added ( from XXXX/XXXX/15 ) and I paid immediately my duty : {$1.00}. On XXXX/XXXX/15, I called Texas Dept. XXXX., and I submit FAX with bills from XXXX to XXXX XXXX Customer Service XXXX Claim # XXXX, confirming that XXXX XXXX has to pay my bills. On XXXX/XXXX/15, they requested to Texas XXXX to submit the appropriate forms, though Texas XXXX never sent their new bill form till today ( XXXX/XXXX/2015 ), when I contacted again XXXX ( phone XXXX ) about paying my bills. The Customer Agent called today Texas XXXX and asked again to submit appropriate form for getting money for my bills ( today claim= # XXXX. They again promised to send it, so I will XXXX in 2 weeks, but can be too late for my credit score tarnishing.
I have a a unverified account from Reliant Capital SolutionsLLC. I had previously disputed this account. I have never done business with Reliant Capital SolutionsLLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Reliant Capital SolutionsLLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Reliant Capital SolutionsLLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
I have a BP Visa card previously issued by XXXX and sold to Synchrony. I did not receive a final bill from XXXX, but when I received my first bill from Synchrony, I was told I was delinquent for failing to pay my last bill. While the interest charges are minimal XXXX {$4.00} XXXX, I have never missed a credit card payment before and would not have missed this one had XXXX & Synchrony taken better action to transition the account. Further, I am concerned about a negative mark on my credit report. From speaking with a representative at Synchrony, I am informed that my bill was posted online by XXXX XXXX paperless billing ) on XXXX XXXX, but that the account was removed by XXXX XXXX. At that point, I had no way of knowing how to make my final payment. Further, I do not recall seeing this final bill from XXXX online. 
If this practice was widespread, then the interest charges from other consumers could add up to a more substantial amount.
A letter was sent to this company on XXXX XXXX requesting validation of this debt and to request all further contact be via mail only. 

A letter was sent by me and by my husband who was a co-signer on this loan. Delivery for both letter was confirmed on XXXX XXXX ( can provide tracking numbers ) My husband has received XXXX documents from them that do not apply to the debt they are collecting and has someone else 's social security numbers on them so I know this letter has been received. However they have not responded to my letter. 

They have continued to call my house, my husband 's place of employment and my cell phone number listed above. The last voicemail left on my cell phone was XXXX/XXXX/2016 at XXXX. The last call to my house was XXXX/XXXX/2016 at XXXX. 

My husband has asked them when they have called him at work not to contact him and they have continued to do so. This is a company with no respect of the law trying to collect a debt that has been passed through at least XXXX different collection agencies none of which can provide proof of debt or proof that they have the master promissory note.