WillisBack/dataset-financial-user-claim huggingface dataset:
I began the process of refinancing XXXX of my properties with XXXX XXXX on XX/XX/2015. I signed and agreed to a 2.99 % interest rate, fixed, 0 points and a {$480.00} lender credit at closing. My rate lock date was XX/XX/2015. Due to circumstances beyond my control, the underwriter continued to delay the closing such that my rate lock period expired. On XX/XX/2015 XXXX sent me a new rate lock agreement. On this new agreement they added points ( 0.125 % or {$240.00} ) and took away my lender credit of {$480.00}. My husband and I declined to sign this agreement and asked that XXXX honor their original obligation to us as we signed on XX/XX/2015. 

The delay in closing supposedly was due to the underwriter having a problem with my husband and I refinancing another property at the same time. I explained to them that the other refinance was simply improving the terms of existing debt and involved no new debt. The underwriter supposedly insisted that the refinance with XXXX Mortgage had to close on the same day as the refinance with XXXX XXXX. They would not agree to close sooner even though my husband and I have been willing to close at any point and could have easily closed by the original rate lock date. I asked XXXX XXXX if they could give me an earlier closing date but they told me XX/XX/2015 was their earliest. I made XXXX aware of this. As a result of the underwriter refusing to close on any date other than the date of the XXXX refiance closing, the rate lock date expired. 

Of note, the next rate lock date sent to me by XXXX XXXX was XX/XX/2015 even though they had already told me that I would have to close on the same day as the XXXX refinance XX/XX/2015. 

I communicated with XXXX XXXX XXXX by email and expressed to her that XXXX should pick up any costs associated with the delay or ask the underwriter to pick up the costs but that my husband and I should not be responsible for additional costs as we were not in control of the closing date. 

She indicated to me that she would discuss with management. After I continued to ask her for a corrected rate lock agreement and loan estimate paperwork she finally gave me information which revealed that they were offering me even higher points ( .375 or {$720.00} ) on my 2.99 % interest and no lender credit of {$480.00}. So now, my additional closing costs have been increased to {$1200.00}. 

This is wrong on every level. It is morally wrong. It is likely illegal. I ca n't believe that consumers can be charged fees for delayed closings when they have no control over the closing date. My husband and I provided timely provision of their documents requests, signatures, etc. The closing was delayed by the underwriters because of their concern about another refinance which added no additional debt to our situation. XXXX in now trying to " close my case ''. I do n't want to close my case. I want to close the refinance loan upon the original terms. They refuse to do the right thing and seem to be enjoying making matters worse by continuing to make the terms of the loan worse and worse for me and my husband. Do I have any recourse or protection as a consumer?
I opened an HSBC checking account online on XX/XX/2018 after I clicked an advertisement link on their official website. As per the advertisement I was supposed to get XXXX $ welcome bonus, if i maintained a balance of {$1500.00} for 3 months. I maintained the balance for 3 months and then chatted with them, they said it will take 8 more weeks to get paid the welcome bonus. After 8 weeks I chatted with them again and this time surprisingly they said that I am not eligible to get the welcome bonus, even though i met with all the criteria required. The excuse they are giving is false and vague. They are saying that I did not click the right link to open the account and hence can not get the bonus. First of all why there was a wrong link in their official website to open an account? Secondly when I chatted with them for the first time after 3 months, they did not mention anything about wrong link that will disqualify my bonus eligibility. Thirdly after luring the customers about welcome bonus, why they are deliberately singing them up using the wrong link if thete is any such thing at all? Fourthly why am I still getting the false advertisement email in my registered email id given the fact their intention is to cheat the customers?
I received my annual free credit report two days ago, for Experian only. I 've attempted to use their online system to submit disputes to XXXX items that violate CSR Section 682.405 ( rehabilitated student loans that should have had all negative items removed in 2012 ), but no matter what I enter in the form, I receive the message " The additional relevant information you entered is invalid. '' I tried twice to use the alternative document upload form, but received repeated error messages there too. When I try to log in now, I see that I have apparently exceeded the number of allowed views for my ( federally mandated ) credit report. At the moment, my opinion is that the broken nature of this process amounts to fraud and violation of federal law, and I see no reasonable option but to seek legal council instead since the dispute process seems unlikely to yield any response.
Once again, this is a formal complaint against the INCONSISTENT & INACCURATE reporting of Fed Loan Servicing of my payment status! Fed Loan continues to report that my accounts " CURRENT payment status '' is LATE on XXXX & XXXX. Fed Loan is also reporting that my account is currently over " 180 days past due '' as remarks on my XXXX & XXXX personal credit reports. On XXXX, the payment status is " TRANSFERRED '' & there are no remarks as to the account being late. They are required by law to report 100 % accurate information but how accurate can the reporting be if there are inconsistencies. Their failure to accurately report my information is hindering me from obtaining financing from my business. I have sent numerous request to have this information corrected and continue to receive a soliloquy that does not address the LATE PAYMENT STATUS REPORTING. This is not disputing the payment history when they were servicing the loan. This is simply disputing the fact that they are reporting the " CURRENT PAYMENT STATUS AS LATE '' How can {$0.00} currently be LATE. It 's {$0.00}. Fed Loan have proved unwilling to correct their mistakes on these closed accounts. I am formerly requesting that this information be forwarded to the Senior President XXXX XXXX of Fed Loan Servicing for a thorough investigations ASAP since Vice President XXXX XXXX is reluctant to properly correct the INCONSISTENCIES & INACCURACIES across XXXX, XXXX & XXXX. The finger pointing has to cease and Fed Loan needs to hold itself accountable for the information they are reporting or i will be taking legal action. I have submitted a complete copy of my 40 plus page credit report where the inconsistencies are clearly outlined. The credit bureaus are claiming that they are only reporting what is provided by Fed Loan and Fed Loan is claiming that they are only reporting what is indicated on my correct report from XXXX. Well ... which one is it? If there is NO PAST DUE AMOUNT REPORTED, how can it be 120 DAYS PAST DUE??? WHAT is 120 days PAST DUE??? XXXX DOLLARS? Once again, this is not in regards to the historical payment history, this is in regards to the " CURRENT payment status '' being reported as LATE on XXXX & XXXX and over 120 days past due.
I was WAS NEVER NOTIFIED PHONE, OR MAIL BY UNC, COLL.CO.ONLY AFTER I DISPUTED, they sent # 1 bill.Not # 2 as REPORTED.I notified them by mail cert #, and phone THEY FAILED TO NOTIFY ME OF DEBTS, WASNT GIVEN 30 DAYS ECT.URC only had my mailing address AFTER I CONTACTED THEM THEY WERE GIVEN 10 DAY NOTICE IF NOT REMOVED ID FILE CIVIL SUIT, AND.I would report to FTC, CFPB.NOTE I am an XXXX, my calls all screened I DO NOT ANSWER UNKNOWN CALLS UNLESS VMAIL LEFT.URC NOTIFIED BY CERT MAIL, CEASE DESIST ASWELL # S AVAILABLE
XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX These account are fraudulent and I want them remove at once. I am a XXXX victim of identity theft and will be writing the state and government about this fraud because it is not right and I have already submitted police reports. I want these accounts removed at once.
I dropped the class and the XXXX XXXX college is saying I did n't drop the class and is charging me for the class.
I have disputed inaccurate information with XXXX  XXXX and Equifax for 3 months regarding accounts that are not mine. 

XXXX Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXX XXXX
Date company sent letter X/XX/17 Company name is DIVERSIFED CONSULTANTS MAILING ADDRESS IS XXXX  XXXX XXXX FL XXXX Letter address from. XXXX  XXXX XXXX MI XXXX Stating I owe XXXX Address is wrong I never had an account with said company XXXX or XXXX XXXX XXXX They have a phone number that goes in circles and cant speak to anyone about issue to resolve this is fraud phone is XXXX Not my account and they wont remobe off credit
After reviewing my credit file I have come across information reported from the XXXX XXXX XXXX/XXXX  that is incorrect. On XX/XX/XXXX and again on XX/XX/XXXX I spoke with XXXX and XXXX at XXXX XXXX XXXX XXXX   and was informed that all my accounts were current in the amount, however, an account in the amount XXXX and XXXX has never been late because it does not exist. XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed. XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and they both informed me that these 2 accounts don't exist however the ones that I do have are current and never been late. Yet your credit reporting agency is still reporting this inaccurate fraud and based on XXXX its non-existing info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6600.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans mentioned above do not exist or could be a result of identity theft as I have been a victim of. I will be forced to sue Transunion id these accounts that are a result of identity theft continue to be reported onto my file.
I have tried over 10 times to get my XXXX score directly from Equifax, and their system has refused to release my XXXX score. I tried to call for help over 6 times and they say nothing is wrong but I still can not get my XXXX score. Originally they stated I had a mismatched name but I sent them documentation on XX/XX/2017 showing my proper name and they updated it. I believe the hyphen in my last name is causing a problem with their system. My hypenated name on my credit report does n't match my non-hyphenated name on my Equifax profile. But the Equifax profile does not allow hyphenated last names but their credit report allows hyphenated names. This creates a mismatch that prevents me from getting my score. I have been bounced around to different departments and no one is helping me. The error code shown on my XXXX failed orders is Eval Code : - Status Code : XXXX Reason Code : XXXX but no Equifax agents knows what it means. I also tried to purchase the XXXX score from a different source ( XXXX ) and they can not get my Equifax report data. Equifax is not releasing my credit report. My refinance is closing in a few days and this is jeopardizing my loan.
On XX/XX/XXXX I received my XX/XX/XXXX statement, however my mortgage increased by {$10.00}. Back in XX/XX/XXXX I received a statement of my escrow account which stated that we had a shortage and if we did not want our mortgage to increase we needed to pay {$180.00} which I paid by the due date and it cleared my account on XX/XX/2018. So I was surprised to see that my mortgage increased. I immediately contacted my loan company and spoke to a XXXX I D # XXXX to advise him of the situation. He informed me that their escrow department would not adjust due to the small amount. I explained to him that was not my problem that you adjusted wrong and that I complied with what I was given. I also told him you didn't even send out another notification informing us of your error you just adjusted my mortgage. With my mortgage payment being due tomorrow I don't know what to do. I can not afford to have my mortgage increase by any amount.
Experian is reporting XXXX addresses that do not belong to me and need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I was advised in XXXX. XXXX by the IRS of identity theft after filing my XXXX return. I completed all the necessary and required steps and had my credit reports locked down by all XXXX agencies-I thought. I was advised by the IRS in XXXX of XXXX of of having my identity stolen again. I completed all the necessary steps. The IRS advised I apply for a pin number. I did but XXXX of the requirements was to submit a credit card and to do that I needed to have my locked down report at Equifax to be temporarily lifted. I was unable to lift it because it said it had not been locked down and my only choice was to lock it down, not a choice to lift it. I attempted in every way to talk to someone but I found it impossible to have a voice contact with Equifax. This is unacceptable. If these types of organizations want to have the responsibility of the " keeper of the keys '', they need to make themselves readily available to the consumer and not hide behind websites and phone trees. These types of organizations need to be held accountable for easy access by the public when needed.
XXXX made 2 payments to my insurance company, one for {$610.00} and another for {$620.00} the second payment was without my knowledge. XXXX should have sent a second check for {$6.00} to make up the short amount. As a result of the second payment being made my mortgage payment increased. I have my payment set up on an automatic bill payment, and did not realize their mistake until I received a threatening letter that Loancare ( Sterns lending ) was going to start a foreclosure process. I call immediately and made additional payments to cover the increase escrow amount about {$120.00} and changed my future bill payment for the updated amount. I explained to the XXXX rep that I will not pay late fees for their mistake. The rep explained that I had to send my request in writing, which I did through email with no response. I 've I send another email that eventually I got a response that made absolutely no sense. I 've attempted to contact XXXX again multiple times by they do not have competent nor empowered representative to actually fix an issue. XXXX has charged me a late fee of about {$86.00} and have now charged another late due to the first disputed late fee not being paid of about another {$86.00}. Either XXXX is to incompetent to run an actual financial service company or the are deliberately corrupt, either way I 'm not having any success in getting them to correct my account and stop applying late fees and need help.
In spring 2013, I began contacting XXXX to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. XXXX either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called XXXX, the customer service rep would tell me that my balance was XXXX. I received another round of calls/mailings offering assistance, called XXXX " balance XXXX ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind XXXX XXXX and XXXX XXXX XXXX previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however, XXXX sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus. <P/>I was so exhausted dealing with XXXX, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other XXXX accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over XXXX XXXX, I was clearing out a box of documents to shred and came across the forbearance approval letter from XXXX. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.
XXXX is the company and the way they conduct themselves is beyond comprehension ; Rude and unprofessional. They reported loan number as being late twice and that account number does not exist.
rcvd notice from a debt collection agency ( FBCS , Inc ) that I owed {$490.00} to XXXX XXXX XXXX. I have never rcvd anything from XXXX nor have I ever had service with XXXX. I called the collection agency and it seems that someone in another town has opened a XXXX account with my name and SSN.. Now i am having to prove to XXXX that this is not me!
Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by ExperianIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " XXXX '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but may consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' XXXX '' accounts showing them XXXX, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.
I filed a dispute on a charge on my credit card that the merchant charged me for on a service that was not rendered. Chase failed to make contact with the merchant or get proof that the services were rendered even though I provided proof it was n't. Rep on the phone stated he could not get anyone on the phone with the merchant so they closed the dispute in the merchants favor and refused to look into it further.
I received a copy of my credit report and this company is reporting a XXXX debt that is not mine. I requested information as validation of debt and what they sent shows it's not mine. I have never lived in Maryland and that is what the Lessee Address shows. I don't even know were XXXX Maryland is. This is not mine.
Report states that I received 12 years XXXX when I only received 1 year and it was successfully completed
XXXX closed all of my credit card accounts after pulling my credit report saying I had too many recent inquiries. I have a spotless credit history and have never missed a payment and I rarely even carry a balance on my credit cards. I 've been with XXXX for over 10 years and still have an auto loan with them.
My wife paid her credit card account out around XX/XX/XXXX. or XX/XX/XXXX. The credit card company end up pulling a payment, and posted on XXXX XXXX, 2015. Then come to find out that one of our credit card had gotten lost or stolen, some between the time that the credit card was paid out there was fraudulently active on XX/XX/XXXX.
On about XX/XX/2018, I received confirmation from Equifax regarding the removal of the XXXX/XXXX  account from my credit file. However, on about XX/XX/2018, I hired The XXXX XXXX to challenge the items found within my credit file. The XXXX XXXX XXXX stated that when Equifax deleted The XXXX/XXXX  account from my credit file, they failed to also delete the negative history associated with XXXX/XXXX  account from my credit file. Today XX/XX/2018, I spoke again with Equifax. I explained the issue Equifax. 

The representative at Equifax stated they did not receive the dispute regarding XXXX/XXXX until Saturday XX/XX/2018. Based on their response, I contacted The XXXX XXXX XXXX again. I presented the response I got from Equifax. The XXXX XXXX XXXX has indicated that they electronically submitted the dispute on XX/XX/2018. That means Equifax has had this dispute for more than a few weeks now. XXXX XXXX stated that Equifax would have received the dispute almost instantaneously on XX/XX/2018. Prior to ending the call with Equifax, The representative further indicated, they must send this information to XXXX and start the process over again. There are a few issues here. 

Equifax should have cleared the deletion of the negative history when they deleted the item. Today, an Equifax member provided me with information that conflicts what the XXXX XXXX XXXX has stated. Also, both XXXX  and XXXX  where both able to resolve get everything done correctly the first time, so Why didn't Equifax? I'm in the process trying to purchase a home. The time that Equifax is taking to get this right creates issues for me such as more money in terms of down payment, higher interest rates, and or could be reducing that amount I can qualify for when buying my home. This needs to get fixed!