WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a loan with Rise Credit for over a year now, they meet every criteria of being a predatory lender. Each time I pay it off I am forced to take out another because the interest and fees of the last loan left me unable to pay my normal expenses. Out of a $ XXXX monthly payment only about {$50.00} goes to principal, I end up paying over triple the amount I originally received by the time the loan is paid off. Since this is an internet company I do n't think they are regulated and I believe they break Federal and Ohio Consumer Lending laws. I selected that I initiated contact but actually I received emails and mailers from them before ever taking out a loan.
TD Bank pulled a bait and switch on my mortgage closing costs. They are in violation of Non Disclosure, Deliberate misrepresentation on Legal documents, Overcharging by manner to deceive customer.
Back in late  XXXX , early  XXXX  i spoke to the manager at the bank that financed my car and explained my situation. At that time i was in the process of starting a new job and made payment arrangements with the same manager. The payment arrangements were that i pay  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I had informed her that when i first get paid at my new job that i would not have a full paycheck to make the payments for  XXXX . Towards the end of  XXXX , i had a family emergency and that i could work, due to my family bereavement and emergency. And now they do not want to work out anything with as of now because the vehicle is in the process in being set up for repossession. Since I left my previous job in late  XXXX  of this year, i have obtain new employment with a different agency and obviously i can not afford to pay what i owe right now because i have not got paid yet with my new employer.
I have been trying to secure a loan modification with Bank of America for over 2 years now. I have experience poor service from Bank of America. I have written a number of times regarding the rough treatment I have received in letters which Bank of America has dated XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX of XXXX. I was told by XXXX XXXX XXXX yesterday that she would call me back today between XXXX and XXXX. After holding on the line with XXXX XXXX XXXX from XXXX until XXXX I was finally connected with XXXX XXXX. It seems that we had a miscommunication on when we would meet by telephone. My conversation with XXXX XXXX, I indicated that my home is over {$120000.00} underwater due to maintenance issues in my kitchen, bathroom and foundation. I asked that some or all of my principal balance be forgiven and XXXX XXXX said that while B of A owns the loan as investor, principal forgiveness was impossible. I have appealed to bank of America in good faith because I believe it would be fair for them to give me some relief from my principal balance. If relief was not given to B of A in XXXX and XXXX, the Bank would no longer be here. I have been told by XXXX XXXX XXXX XXXX office that B of A does principal forgiveness. This process has been very stressful with hours and hours of phone wait times and representatives who passed me from XXXX person to another over and over.
EXPERIAN HAS XXXX XXXX INQS LISTED, THERE SHOULD ONLY BE XXXX DATED IN XXXX THEY WILL NOT REMOVE THE OTHER EXPERIAN WILL NOT REMOVE NAMES NO LONGER ASSOCIATED WITH ME SPECIFICALLY XXXX EXPERIAN WILL NOT UPDATE MY FRAUD NUMBER TO XXXX XXXX EXPERIAN WILL NOT REMOVE THE RBFCU FRAUD ACCOUNT EXPERIAN WILL NOT PROVIDE ME A COPY OF MY FULL FILE DISCLOSURE
I have been repaying my student loans under the income-based repayment and REPAYE plans.  I have to recertify every year and have my monthly repayment adjusted based on my income for the year.  Until the recertification is processed, the account defaults to the standard payment amount.  

I have been begging Navient for months to process my recertification.  I called a few weeks ago to let them know my account was about to revert to the standard payment of over $2000, and I was told my application would be processed and my payment amounts would be adjusted.  I was also told what the amount would be.  That amount has not been reflected on my account, and I refuse to pay an amount that is more than 5 months' worth of payments at one time.  I have left Navient multiple messages that have gone ignored, and today they had the nerve to send me a message informing me that I am in default.  I am at my wit's end.

It is not fair that my credit might be at risk because they can't get their act together.  This happens to me every year, and it is about time that Navient gets punished for their poor service.  Please help.
Chase Bank and I open an account XXXX/XXXX/15. Shortly thereafter I receive a notice ( and check ) we 've closed your accounts. Chase says if you have any question call XXXX. I call and I am told reason for the closure is fraudulent activity. After my concern I call asking who is responsible for any fraud. There are only XXXX parties involved, XXXX or Chase Bank. Chase at XXXX changes the subject and will not answer any questions. Within my Chase accounts there are XXXX bonus I expected to receive. I have met the requirements. Chase comes to me promising bonus and then changes their business tactics. 









i recieve a
A mortgage broker ( Sebonic Financial/ Cardinal Financial ) charged my credit card for an appraisal/inspection fee ( of {$400.00} ) on a ( short sale ) home that I was hoping to buy. The sale never went through yet the mortgage broker refused to refund my money. They have essentially opted to keep my {$400.00} without providing the service and I need my money back. 
I have a detailed package of the incident that I 'll upload with this complaint.
All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XXXX XXXX  2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.
Freedom Mortgage reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a XXXX in the family and keep Freedom Mortgage up to date with everything. They told me that they would remove these late payments but they haven't.
XXXX XXXX  and XXXX XXXX continues to send negative information to credit bureaus regarding my accounts. I have been sued by my own family, have had my XX/XX/2018 tax refund wrongly taken by the US Department of Education ( {$2000.00} ) which I included in a separate CFPB complaint, and have been facing eviction in my current place of residence. I have also had a lack of food due to lack of money. 

Because the US Department of Education failed to return my {$2000.00} tax refund or give me a reason as to why it was not returned to me, my car was repossessed. Now, looking at my credit report, I can not qualify to buy a new car because my credit has been negatively reported by XXXX XXXX, who is contracted by the US Department of Education. 

I would like them to take the false, negative information off my credit report. Mutliple contracted agencies are taking advantage of my terrible financial situation and I want it to stop. I want XXXX XXXX, along with ALL US Department of Education contractors to discontinue negative reporting on my credit. You are beating a dead horse. I have been faced with multiple evictions ( one because of the US Department of Education ) and have had my car repossessed because again, my refund was not returned to me. And now, as I try to fix the problem the US Department of Education and their contractors created ; they have sent numerous negative comments about my credit. 

The US Department of Education and their contractors need to work with me, not against me. I need to be able to buy a car and live my life. I have NO other negative marks on my credit, except for what the US Department of Education and their contractors have submitted. I am asking you to stop, it Is ruining my life.
agency has a wrong address for me and will not change it. no sure where they got the address but they say it was from a creditor i said your wrong i have never had this address. i was assured that they got that address from a creditor so i said get my address from a current creditor they say they can not because they don't have my correct address.you can see the circle here and for this reason they have reported no credit on me since XX/XX/2012 and even that is incorrect.
Bankruptcy listed with XXXX, XXXX and Experian has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide
I purchased furniture making use of a twelve-month, same as cash offer via Synchrony Financial ( formerly GE Money Bank or GE Capital ). I established a monthly recurring payment with my bank, which processes a payment to Synchrony in the amount of {$150.00} on the XXXX of each month. I received a statement from Synchrony indicating that they did not receive a payment from me in XXXX or XXXX. They applied a {$25.00} late fee. After XXXX phone calls with Synchrony ( XXXX being escalated to a supervisor, XXXX ), I was told that I had to fax proof of my payments to Synchrony. I obtained proof of the payments from my bank, and fax those documents to Synchrony as well as a letter stating that I wanted them to take certain actions, which included crediting my payments as well as explaining why they were not crediting the payments that had been sent. My fear is that this will continue to happen unless they correct the issue. I want an explanation as to why there are not applying my payments. Further, I stated that I wanted something in writing stating that I did not make any late payments as I 'm concerned this will impact my excellent credit rating. I faxed all of this information to Synchrony on XXXX XXXX, at XXXX. The fax transmission confirmation document was produced at XXXX, which is evidence that they did, in fact, receive my fax. It is XXXX XXXX ( 7 days later ), and I have not receive XXXX bit of communication from Synchrony. They have not indicated that they received my documents, and certainly have not addressed the items I asked them to in my fax, namely crediting my account, providing me with assurance that they 've found and corrected the problem, or a letter stating that I have not been delinquent in my payments. I have received absolutely nothing from them. I researched this company online and was astonished by the number of complains just like mine. It appears that this is a common practice with Synchrony. In fact, " XXXX '' has XXXX reviews of Synchrony, all with the lowest possible rating and describing this same type of incident. Amazon complaints run rampant as well. This is clearly a company that makes a practice of creating reasons for charging people late fees and attaching interest to " same as cash '' accounts. I would like my issue addressed by them immediately and their practices should be investigated by federal authorities.
Fraud was committed in my name and the credit bureau refuse to block or remove the fraudulent account from my credit file base on FCRA 605B
Creditor ( XXXX XXXX ) was disputed two weeks and dispute was completed and report updated as of XXXX/XXXX/16. I was also advised by equifax management on XXXX/XXXX/16 that this information would be show in the correct status, and on XXXX/XXXX/2016 the information was not corrected to show included in chXXXX bk status and listed with other closed accounts on my credit. 

I have attached the now credit report showing this matter in dispute, as this should not be in dispute, the dispute was completed on XXXX/XXXX/16, and then placed back in the same status of ''collection unpaid ''. I have also attached the new credit report status, and the phone conversation between myself and an equifax 's credit management assuring me that this information had been entered correctly along with other applicable debtors that were placed back into an incorrect status. The other attachment is my XXXX showing XXXX XXXX as a creditor that was discharged in the chXXXX bk as of XXXX/XXXX/16 ( discharge order attached )
I filed a few complaints with Scottrade and was told that they would get back to me within a few days. Scottrade did not respond - so I am writing this complaint. 

I formerly closed my account as Scottrade but was also informed about the data breach discussed here : XXXXI would like to know why Scottrade is not responding to my complaints about the breach and why Scottrade is the only company not to give additional disclosures about the hacking.
Nationstar was supposed to perform a deed in lieu for my property on XXXX XXXX, 2015 and I vacated the premises and moved and as of today XXXX XXXX, 2015 they still have not taken the property. My insurance company XXXX refused to insure the property since it is not occupied. I need to have to taken care of so I can move on.
I have XXXX bank accounts with BB & T, neither are used as overdraft protection for the other because I preemptively " opted out '' for both accounts with the understanding that BB & T would decline all transactions if/when my accounts have insufficient funds. On XXXX XXXX, 2016 BB & T transferred {$140.00} out of XXXX of my bank accounts without my permission. The {$140.00} was apparently taken to pay off a {$5.00} service fee and {$140.00} of overdraft fees amassed from {$45.00} being pulled from my account as result of XXXX 's default settings. Again, my understanding of the " opt-out '' option was that the bank would decline all transactions if funds were not available. Nonetheless, I have made a voluntary payment of {$45.00} within the last 30 days, but the forced transfer of {$140.00} on XXXX XXXX was done without my permission and to my detriment as I have other, more pressing expenses to handle right now.
On XX/XX/2018, I starter receiving calls from Diversified Consultants and the representative was XXXX XXXX from phone number ( XXXX ) XXXX stating about a debt that they claimed I owe for a XXXX bill that I never had in my name. However, I sent in a verfication letter from them that same day inquiring about the bill and requested that they send me something with my valid signature proving that I had some type of legal ties to them via certified letter. In receiving the letter, they sent me a bill which still to this day havent provided me with valid signature. Considering that this business does not have a contract with me for goods or services, nor have they provided me adequate proof therefore I am not obligated to pay this debt.
I filed a chapter XXXX in 2012 its been discharged since XXXX 2012 and I have a mortgage with Wells Fargo I never late in my payment from the day XXXX purchased my home until this time and also when I filled BK I never included my home. Since the BK my mortgage is not reporting on my credit which when I called to inquire why is not reporting Wells Fargo is keep telling me its protected by BK and also I did n't reaffirmed it. When I talk to legal advisors would tell me the I cant reaffirmed a mortgage which secured by deed. called back wells fargo they are not welling to help me since 2012 my mortgage is not reporting on my credit i need this to resolve, there is no judge will rule a reaffirmed in Colorado.
Not exactly sure who debt is with. I think it is all a scam I Can only think of a payday loan back in 2009. Was paid back in 2009. The caller today called my work and gave out my social security number and supposedly a case number, called my ex-husband who I have n't any contact with in XXXX years and gave out my social security number and called XXXX other people. This is illegal and I want them closed down and fined for giving out personal information. If I owe anyone a debt they need to send me documentation as any debt collector would do.
Citimortgage will not refinance or reduce our 9.5 % interest rate XXXX mortgage because of a " perfect storm '' of issues including ... .the date we purchased our home/took out loan, the fact that we are " upside down '' in our mortgage and the fact that we remain current on our loan. 

I have tried multiple times to get Citimortgage to refinance or reduce our interest rate to a more reasonable and current interest rate. They continually refuse citing the above reasons. 

We make our payments on time, but the payments go almost exclusively to pay the interest and we get no where on paying off the principal. 

I realize we are their " cash cow '' so they have no desire and do n't meet their " criteria '' to assist us, but the interest rate is grossly unfair and so far off the current rates.
I was going through Wells Fargo to refinance my home. During the process, I was deceived and flat out lied to on at least XXXX occasions. The major lie was made when the appraisal of my home came in lower then expected. I was instructed by my loan officer that I needed to submit a letter to the appraisal company disputing their appraised value of my home. I wrote the letter and sent it to Wells Fargo like I was instructed to do. They were supposed to send the letter onto the apprasisal company. After asking numerous times what the outcome was of the dispute, I was told in writing that, they would not budge on the appraised value. After going back and forth and asking for the dispute denial in writing in turned out that Wells Fargo never sent the dispute letter to the appraisal company. After speaking to the appraiser again, he stated in writing that had he got our letter he would have changed the value. Because my home did not appraise for what I needed it to appraise at, I then had to buy down points in order to stay of of off sheet interest rate pricing. Wells Fargo was extremely deceptive and lied to me on numerous occasions.
I 'm doing a refinance but a {$100000.00}  HELOC  in   XXXX   is still showing in my title report as an outstanding lien.  XXXX  was  GMAC  and later acquired by OCWEN. Just called OCWEN today at  XXXXXXXXXXXX  but the person said they do n't have a record.
I attended XXXX XXXX which is part of XXXX. The recruiters pushed us to sign up for private student loans telling us that when it came time to pay back out student loans that we could re consolidate but Navient will not let me re consolidate my student loans and I have an interest rate that is more than twice the national average- I currently have a 13.5 % interest rate. And by the time i pay off this student loan i will be paying almost 3 times the amount i originally borrowed. I received a certification from XXXX in XXXX which i was told i could transfer those credits to other schools but not one school took the credits from XXXX so when i pursued my degree further the time and money i had already spent at XXXX was not able to be used and i had to start completely over with my schooling- retaking some of the same classes i had already taken and paid for through XXXX . The recruiters from XXXX tell you that you can get any job in the XXXX field after attending school and will start out making enough money to pay back the student loans. But after finishing this program I did n't even have enough schooling or experience to apply and take the actual certification test to become a XXXX to even get a job in the field. The school started out with a different name and switched about half way through my program.
I sent a letter requesting verification of this debt. I received a billing statement. I am looking for a signed consumer contract saying I indeed owe this debt.
My home was foreclosed in XXXX 2012. The XXXX lien holder, Wells Fargo, did not follow proper procedure about closing the loan out. They now are recording my loan as an Unknown status, which is preventing me from moving on with my life and securing a new mortgage on a lesser home 3.5 years later. I am told that they must record the mortgage status as foreclosed or written off, and they are not doing so on my FICO report.
I completed a Streamline Refinance application with Banco Popular de Puerto Rico and on XXXX XXXX, 2015 received the initial Loan Estimate. On XXXX XXXX, 2015 I personally signed the disclosures at the nearest branch ; this same day I was charged the origination fee. As requested by the loan originator, XXXX XXXX, I proceeded to gather various documents needed to complete the file, including copy of my drivers license, utility bill and copy of my Social Security Card, and all were sent by email on or before XXXX XXXX, 2015. On XXXX XXXX, 2015 I received a letter by regular mail from Banco Popular indicating that in order to submit the application for approval, I neede to send the same documents previously provided, the SS card, driver 's license and utility bill. The documents were emailed to loan processor once again. Afterwards, I have made various attempts to verify the status of my application without obtaining any decision from Banco Popular. More than 45 days have passed since loan application without a decision and I fear they will change the offer I received for this transaction.
Chase has made several hard inquires on both my XXXX, XXXX XXXX, and XXXX as well, without my authorization and without permissible purpose. I have reached out to Chase via certified mail requesting that they cease the unauthorized hard inquiries into my credit report. 

I also gave a formal demand that Chase immediately contact the credit reporting agencies and credit bureaus, where their Chase has made inquiries into my credit history, to have their illegal inquiries removed. 

The inquiries are in violation of Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Listed below are the inquiry dates both with XXXX and XXXX XXXX credit bureaus : CHASE CARD Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX