WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX ( part of First Guaranty Mortgage Corp ) through fraud or gross negligence induced my family into applying twice for traditional 30-yr fixed rate mortgages that they could not ever provide us with. It took them 7 weeks to tell us that we were not approved for a loan. This was after we had to push them to even get our loan information to underwriting because we were closing very soon. The denial was given only 2 business days before our closing and was given after their agent had told us it was ok to transfer savings account funds in order to purchase my cashier 's check for closing. The denial came after they had directed, at our expense, a new survey and two rushed appraisals. The denial certainly came after they had charged us for application fees and rate lock fees. The denial was too late to prevent us from paying for inspections, option fees, and earnest money checks, and packing our home and notifying our children 's private school of our impending withdrawal. The reason for the denial of our loan was stated that we did not have a tax return for the newly reformed business that we own. They also have said that declining income in the old business was a reason for the denial. It is true that there is no new tax return for the new business and there was declining business income in the old business, but all of that information was provided specifically to them in the very first phone call with their agent ( as well as a memo and all the documentation early on for our files ). We had informed their agent that other lenders had been unable to offer us a traditional loan based on our business situation, but their agent assured us that he had spoken to his supervisor and an underwriter about our situation and no one could see a problem with us getting an exception to the one year tax return rule. He even convinced us to leave another lender because he was so confident in their customer service and ability. They allowed us to proceed with two different applications and incurring thousands of dollars in expenses related to the attempted purchase of these homes, all the while they could not ever have granted us the loans we sought on either house because of their lack of basic professional knowledge in their industry. They have caused us XXXX XXXX and harmed our personal and professional reputations by denying the loan at the 11th hour. They could have saved us 7 weeks of our time and thousands of dollars if they had been honest from the start ( or at least  competent ) and understood what the requirements were for the loan that we sought. Our first preapproval letter was given to us on XX/XX/XXXX. The second preapproval letter was written on XX/XX/XXXX. Their official denial of our loan was given on XX/XX/XXXX. Our closing was set for XX/XX/XXXX ( XX/XX/XXXX was a bank holiday ). We want to recover all fees and expenses that we have incurred trying to purchase these homes from the start of our relationship with XXXX. If they had been honest then we would never had spent the money that we did. They could have prevented all of this if they had timely reviewed our loan file and provided proper training to their agents.
I am writing for assistance with a private student loan vendor, Citizens Bank. I have two private student loans totaling $ XXXX with high interest rates around 11 %. This results in monthly payments of about $ XXXX that represents over 27 % of my take home pay -- and that is just interest - none of these payments are actually touching principal. 

I reached out to the servicer, XXXX XXXX who offered a 2 month deferral of payments but that the interest continues to accrue. They report the only option is a refinance. But I have exhausted all options for a Refinance. 

Citizen 's Bank tells me I don't qualify to refinance through them, this is probably due to an old bankruptcy from about 2 and a half years ago. I don't have a co-signer available to me either. 

I have called all different parts of Citizen 's bank and they have told me they will not modify the loan terms in any way. I'm told the only time that starts being discussed is once I fall into default. 

I'm trying to be proactive and reach a good solution on these loans without falling into default, but I won't be able to do this for long.
Over the last 3 days, Equifax has decided to remove all accounts that I was an authorized user on. I did NOT dispute these accounts and am still a valid user on each of these cards. This intentional action has caused significant harm to my credit score as I attempt to rebuild my credit. These accounts have considerable age and positive payment history that I have been trusted by the card holder to also have access to. I have responsibly used these authorized user accounts and Equifax has no cause to remove these accounts from my report. The accounts are as follows : XXXX ( XXXX, XXXX XXXX XXXX Delaware ( XXXX, and a XXXX credit card ( XXXX ). This action has dropped my average account age to XXXX year and XXXX mos, whereas previously my account average age was well over 6 years. I do n't understand why an organization such as Equifax, which a marred public image due to the recent security breech ( of which my account was one of the records compromised ), could behave in this way. I can only assume that Equifax has malicious intent with these actions.
When trying to pay my mortgage on line, JG Wentworth 's website says that " this feature is currently unavailable. '' It 's been like that for 3 days. When I try to call customer service to pay my mortgage on the phone or actually speak with someone, the wait lines are so long I do n't get through. When I use their 24 hour automated pay by phone service, after I enter in all my loan information, the system does not give me the opportunity to pay over the phone but automatically transfers me to a phone number where an automated voice tells me the office is closed. Today is XX/XX/XXXX, and if my mortgage is n't paid by the 15th, they charge me a fee. And my credit score may be damaged? I read an article yesterday that j.G. Wentworth has filed bankruptcy and I 'd like to know if this is all related and how I can pay my mortgage. Can you help?
Nationstar is in violation of CA Homeowner of Bill of Rights and guilty of acting in bad faith for denying borrower their legal right to do a short sale when they countered the offer without giving buyer anytime to respond to the offer. They simply countered the offer and then closed out the request which is acting in bad faith in a real estate transaction as buyer must be given time to answer counter and illegal under the CAHBOR since they are denying short sale when they denied buyer their right to answer counter. 
Nationstar is also in violation of anti dual tracking CA laws for having a sale date on a property when borrower is seeking foreclosure alternative programs. Dual tracking is not limited to modification nor does CAHBOR state that a short sale must be " approved '' in order for dual tracking to be illegal. 
Finally Nationstar is on the record as lying stating seller cancelled short sale transaction immediately after buyer was countered that is a complete lie. Lender closed out short sale denying buyer their legal right to counter. Violation of Real Estate contract law. When Nationstar countered they entered into contractural negotiations.
Synchrony bank- for Walmart- I reported on XXXX XXXX to their fraud dept that I did Not apply for a Walmart credit card. They gave me a claims number and recommended that I review their website for reporting identity theft. On XXXX XXXX I am getting another synchrony bank email asking about my application. Obviously their fraud dept Is inept, has been hacked or a fraud itself.
Yes my middle initial is incorrect with XXXX, they have the middle initial as XXXX When it 's suppose to be a XXXX Which stands For XXXX please correct my middle initial in my name with XXXX. Thank you! 
Also I am XXXX and I have been totally discharged from my students loans since XXXX/XXXX/2017 I have documentation for proof.
The debt is not mines the creditor continues to remove it and reinsert it back on my credit with a new open date.
I went online to XXXX and applied for an auto loan. I received acouple of offers and chose the one that I liked. I chose a company calledXXXX, 72 month term and a 5.99 % interest rate. I have used this companybefore and never had an issue. I previously used a check from this companyto buy a vehicle at CarMax in XXXX, Tx. So I decided I would do the samethis time around. Except when I found a vehicle that I liked at CarMax, they told me they would not accept the check. I called XXXX and theyconfirmed that they have an open business relationship with CarMax andnot sure why they would not accept the check. I then called CarMax foranswers. I spoke to a XXXX XXXX which works in Business Relations andshe told me that she received an email advising that they no longer dobusiness with XXXX as of 2 weeks ago. I honestly think that this is alending tactic to get me to use their in house financing which is at a muchhigher rate of 11.99 % and 12.99 % depending on how long the term is. Canyou please research this and let me know if they are targeting consumers likeme to use their much higher rate in house financing? Thanks.
Due the the fact that in the above choices I have to choose from in the above box. My choice is not represented well so I had to pick XXXX because my situation is based on the legal right to operate in the State of XXXX as a debt collector and Convergent Outsourcing does n't have the right to collect debt in the State of XXXX. I am going to provide you with the XXXX I sent to them, I am going to provide to you the research from the State of XXXX Debt XXXX Website to prove they are illegally trying to collect a debt. Finally, I am going to provide the certified mail document showing when they received the XXXX
On the second week of XX/XX/XXXXr, I opened a new bank account with Chase bank without any problem. However, a few days later, I received a letter stating that my account has been closed due to negative and adverse information that XXXX Credit Bureau had sent to them about me and that they should not open an account to me because of these negative information. 

What bothers me about this report is that I have neither derogatory nor delinquent issue or history in my credit profile. 
There is absolutely no record of this situation at all and so I called XXXX to verify this report on XX/XX/XXXX or the day before to explain to me what the was about and the company denied any knowledge of this act. 

Then, I called XXXX to find out what this was about, and they further insulted me, denying any right of mine for transparency on this matter. 

The way that XXXX treated me in not uncommon in XXXX XXXX. 
This bank has been carrying out XXXX activities against people of XXXX by denying them access to banking and XXXX profiling them as not deserving membership at this bank. 

Chase and XXXX in this case had a form of covert agreement to mis-characterize a customer by wrongly profiling them for rejection. 
In my case, they thought that they can make this form of rejection letter up because to them any person of XXXX without a hefty account balance must fall into this category of bad credit, delinquency and other things that the XXXX elements in American society, such as this bank ascribe to people through racism. 

I want to sue the Chase bank and XXXX for XXXX   profiling me. 
XXXX has no right to close my account and allow my direct deposit check to be returned, causing me harm and severe inconvenience. 
I have contacted these two companies and Chase, has nothing today other than that " we have a right to deny our banking services to anyone '' and XXXX has denied any knowledge of this. 
If indeed they didn't inform this bank of any adverse record in my profile, why then did Chase bank quote the name of XXXX in the attached letter I have uploaded herewith. 

XXXX, I believe had violated my rights to my privacy as well, because I have a subscription with them that protects my account for unlawful access by anyone for credit checking purposes to avoid identity theft. 
Any merchant or organization can not access my record without me opening up the account, literally, for them. Thus, I usually get an email alert about an attempt to access my credit file, after which I can grant access. 

If truly, this bank had tried to gain access to my credit file, I would have known and allowed them to and they would have seen that there is no adverse history on my account. 
I want this matter to be escalated to the executives of these two companies so that the actions taken can investigated and those who allowed or aided this investigated. 
This is an act of XXXX motivated attempt to subject me to harm and inconvenience.The staff at Chase bank on XXXX XXXX in XXXX XXXX need to be prosecuted. 

No consumer should be put through this stress that I was put through for having spotless credit history.
When my loan changed servicers ( from XXXX to Nelnet ) the payment amount increased. I believe this is an error because I 'm on a fixed payment plan, am neither ahead nor behind on payments, and since the terms of the loan are the same the payment should be the same. I have asked Nelnet repeatedly ( via phone calls, emails and live chats ) to explain the increase and they do not. The only explanation their customer services reps give is that XXXX must have undercharged me. When I ask for them to show me their calculations that led them to determine that XXXX did n't charge enough, they tell me that this is n't possible. Either XXXX undercharged me, in which case it should be possible to show this, or Nelnet is overcharging me. Either way, Nelnet is n't providing any of the needed information in order to determine which is correct and is debiting my account more than XXXX for the same loan with the same terms. Furthermore, I 've asked multiple times for a complete transaction history of my loan and they have ignored all but one request and the the only history they did send was missing years worth of payments.
My ex husband and I purchased a XX/XX/XXXX XXXX, and financed it together. 
We divorced on XX/XX/XXXX. 

I have a court order that states he is the sole obligor to pay off the remainder of the Harley-Davidson loan for the motorcycle. 

I submitted a copy of my divorce paperwork to Harley-Davidson Financial Services / Harley-Davidson Credit Corp. 

This copy seems to have been lost, as they no longer have it on file. They also state that a legal court order has no priority over individual financing, and that it does not have to be abided by, as it was a " legal contract '' signed by both parties. I was told that state law does not come before finance law by the representative I talked to on the phone. This was on XX/XX/XXXX. 

My ex-husband is not making payments on the motorcycle, has numerous reverse payments, NSF 's, and late payment fees. All of his payment deficiencies are hitting my credit report, and have been for two years. 

As of XX/XX/XXXX, the account was sitting at 40 days past due, and I placed an inquiry as to whether it could be repossessed. A payment was made by my ex-husband on the same day, for {$400.00}, but the account is still sitting at {$690.00}, and in a past due status. Which has again hit my credit report. 

I have tried settling this issue with Harley-Davison Financial Services / Harley-Davidson Credit Corp numerous times over the last two years. 

I am being constantly harassed by their finance department because my ex husband keeps changing his contact information, and is unreachable. I continue to provide them with up-to-date contact details for him, but they insist on calling me relentlessly, sometimes reaching 5-6 calls a day.

I have asked Harley-Davidson to remove the deficiencies from my credit report, but was told that a court order isn't adequate in their eyes, and that I am still responsible. 

I have also submitted appeals to the credit bureaus to have the deficiencies removed from my credit history as well, but to no avail. 

A cease-and-desist letter has also been mailed to the Harley-Davidson Financial Group / Harley-Davidson Credit Corp.
I had a personal and business checking account with US Bank back in 2013. I switched to a credit union and thought I had closed all my US Bank accounts. I had transferred last {$30.00} out of the business and put in personal since I rarely used the business. Unbeknownst to me, an automatic debit came out of the business account for {$21.00} from XXXX a month or so after I thought I closed it. I was never notified by USBank of overdraft. They proceeded to charge initial {$36.00} overdraft fee and {$25.00} overdraft on a weekly basis for 6 more weeks and then closed the account with another {$30.00} charge. This {$21.00} overdraft then turned into {$230.00}. I had not moved or changed address, phone or email, but never received notice of this overdraft and fees. Given it was closed quickly after it occurred and they wrote it off, it just sat on my record until I finally went to open a new checking account when I recently moved. I worked and banked XXXX since that overdraft occurred. I attempted to resolve with US Bank, but was advised to go to XXXX which sent me a report but now referred me here. I am not disputing the initial overdraft and perhaps the initial fee, but a few hundred dollars of fees piled on in six weeks without attempts to reach me are bit rediculous. I am not sure how to proceed at this point. I am not stuck with getting a special restricted bank account because of this item on my XXXX report which does not tell the whole story. I can not seem to get any help with US Bank to resolve since it is now written off. I would like to negotiate a lower amount to resolve it, but can not seem to get anyone to help me.
OnXX/XX/XXXX a deposit was made to my account in the XXXX XXXX by my cousin of {$2000.00} to my account number XXXX. Once I was was told and after receiving receiving a copy of the deposit slip I proceeded to a branch of Banco Popular in New York on XXXX XXXX in the XXXX  which was close to me. To my surprise My ATM as closed and Both of my accounts was closed unknown to me. I was assisted by the Manager of the Branch called the main Branch in Puerto Rico as was told my account was active but my ATM was closed and could not give me the reason why. Since that time I was advice to file a claim on XX/XX/XXXX at the Main Branch in Puerto Rico.the claim number in questions is REF : XXXX-XX/XX/XXXX. I kept calling as was told to call the XXXX XXXX was was a long distance XXXX on the XX/XX/XXXX. I was then told even though my account was closed I was making various transactions of which I was not aware because I only withdrew {$1000.00} of was was deposited to me a few months before. How was I able to withdraw money when to them my account was closed.

I have a medical emergency of which a family member was helping out because of a fall I took in XX/XX/XXXX.

Eagerly awaiting a speedy responce Regards XXXX XXXX
I reached out to this company on several occasions with reference to the said account advising that this is NOT my account and if it is indeed my account the please validate and send me supporting information. This was not done. It shows on my credit reports and is adversely affecting me. While the account was updated as being PAID it was not removed. I told this Collections Company that this is not my account and I never received a call, mail or any notification that this was an attempt to collect this debt.
On XX/XX/XXXX, I started making additional payments to my student loan with the intention of paying it off faster, but did n't realize that they were just prepaying payments. I discussed it with them when I first started to suspect that the additional payments were not being made to the principle balance and the customer service representative kept going in circles and would n't answer my questions directly. <P/>I have attempted to aggressively pay this loan off by trying to get Nelnet to set these additional payments to the principle, but everything to-date has gone to principle. I made an additional {$1500.00} electronic payment thinking it would credit the principle only, but it paid over {$50.00} to interest. <P/>I sent Nelnet a formal letter explaining what I wanted to do on XX/XX/XXXX, but I have to-date never received a written response. I started to converse with them over email on their website and they finally responded. After two sets of emails, I finally got them to state in writing that there is no way for them to credit/apply additional payments solely to the principle balance. <P/>It is my understanding, after reviewing several online sources including CFPB, that they should be able to credit/apply additional payments to principle when directed to do so. However, I have stopped making any additional payments as of XX/XX/XXXX until I am confident that they will do so. <P/>On a side note, I am an avid listener to a well known national radio financial show and many other listeners have called in complaining about the same problem and some have their loans with the same company.
I became aware that XXXX XXXX XXXX reported an alleged debt of {$1200.00} from an alleged creditor XXXX. I have no knowlwedge or any contract and communication with XXXX XXXX, XXXX about this alleged debt.
In 2008 I had business bankruptcy. My wife and I paid off all our debts accordance to judge decision and our credit score slowly started going up. Now I have over XXXX score with XXXX and XXXX but Experian score is only XXXX! We do n't have any credit cards since 2008 and XXXX late payments since 2008 so there is no reason for Experian to give us XXXX points less than the other XXXX agencies. I called Experian many times trying to figure out why my score only with this agency so low and because of Experian we can not get any credit cards at all. Unfortunately Experian refuses to change anything saying " it is not us - contact XXXX '' and .... XXXX of course saying " nothing we can do about it - it comes from Experian - so contact them '' Its like " Catch XXXX situation '' - there absolutely nothing wrong with our Experian credit report ( we have XXXX negative items on their report ) but they can not change anything and XXXX can not change anything. The most frustration is ( according to Experian ) since there is " nothing wrong '' with my credit ( of course we are never late and do not own any credit cards and almost no debts ) there is nothing to fix! 
we even bought XXXX XXXX about 6 months ago by using XXXX XXXX and paid if 100 % back but even this did not improved our score with Experian!!! I have the only question : is Experian is about the law and they can XXXX anyone, anytime and can not be hold responsible?