WillisBack/dataset-financial-user-claim huggingface dataset:
-XX/XX/2018 a Dispute was open for 3 unverifiable accounts. Within 30 days a response was received as UPDATED and/or VERIFIED. There was no verifiable proof ( an original consumer report with my signature on it ) mailed or emailed to me. 
- XX/XX/2018 a second Dispute was opened where I have requested that the VERIFIED and UPDATED account are sent to me with proof of my signature on the Original Consumer Report. Within 30 days of the dispute A response was received Consumer Disagrees I have yet To receive the original creditors documents with my signature but the account still show on my credit report. 

As for XXXX - The same has happened as stated on XX/XX/2018. 

On XX/XX/2018 a second dispute was opened and I have not heard from XXXX since the Dispute response for XX/XX/2018
I have been grossly overcharged with monthly late fees unsubstantiated. I opened an account with Kohls Dept. Store in XX/XX/2015. I purchased {$280.00} total! I made payments of {$390.00} overpayed by {$110.00} based on purchases. In addition to the payments including interest, I was overcharged every statement with late fees, unjust. I have been scammed by Kohls in the amount of {$440.00}. I want and demand a refund of the erroneous charges for the past year.
Loan servicer failed to comply with all requirements in 1024.31 Definitions.
For purposes of this subpart : Consumer reporting agency has the meaning set forth in section 603 of the Fair Credit Reporting Act, 15 U.S.C. 1681a.
Day means calendar day.
Hazard insurance means insurance on the property securing a mortgage loan that protects the property against loss caused by fire, wind, flood, earthquake, theft, falling objects, freezing, and other similar hazards for which the owner or assignee of such loan requires insurance.
Loss mitigation application means an oral or written request for a loss mitigation option that is accompanied by any information required by a servicer for evaluation for a loss mitigation option.
Loss mitigation option means an alternative to foreclosure offered by the owner or assignee of a mortgage loan that is made available through the servicer to the borrower.
Master servicer means the owner of the right to perform servicing. A master servicer may perform the servicing itself or do so through a subservicer.
Mortgage loan means any federally related mortgage loan, as that term is defined in 1024.2 subject to the exemptions in 1024.5 ( b ), but does not include open-end lines of credit ( home equity plans ).
Qualified written request means a written correspondence from the borrower to the servicer that includes, or otherwise enables the servicer to identify, the name and account of the borrower, and either : States the reasons the borrower believes the account is in error ; or Provides sufficient detail to the servicer regarding information relating to the servicing of the mortgage loan sought by the borrower.
Reverse mortgage transaction has the meaning set forth in 12 CFR 1026.33 ( a ).
Service provider means any party retained by a servicer that interacts with a borrower or provides a service to the servicer for which a borrower may incur a fee.
Subservicer means a servicer that does not own the right to perform servicing, but that performs servicing on behalf of the master servicer.
Transferee servicer means a servicer that obtains or will obtain the right to perform servicing pursuant to an agreement or understanding.
Transferor servicer means a servicer, including a table-funding mortgage broker or dealer on a first- lien dealer loan, that transfers or will transfer the right to perform servicing pursuant to an agreement or understanding.
OFFICIAL INTERPRETATION TO 31 1024.30 1024.32 SECTION-BY-SECTION ANALYSIS
I sent two payments totaling {$710.00} on loan B of account XXXX on XXXX/XXXX/2016. I specifically asked that the entire amount be applied to loan B. It was instead applied to both loan A and B. I want this to be corrected, and the entire amount applied to loan B carrying an interest rate of 6.8 %.
Since obtaining fraud alerts on all three agencies and placing a freeze on Experian, I am unable to dispute inaccuracies on my report. I can not access my file online and have to hold for hours if I can get thru on the phone. I was able to finally request full verification of a bankruptcy listed on my report not to be done by automatic third party. I believe the information is incorrect and may have been a mixed file and in that case it needs to be removed. I have the same problem with student loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also student loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even two years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans.
My account number is XXXX. 

This was a XXXX year rolling XXXX that I have had for some time. 

I learned through a letter in the mail that my XXXX which matured on XX/XX/XXXX was rolled without notice into a new XXXX year XXXX at materially below market XXXX year XXXX rate of 0.10 %. This new rate was much lower than the prior years rates despite the XXXX XXXX bank raising short term rates 1.00 % in the last year. Competing rates at other banks are in the 1.3 % to 1.5 % range. The rate provided was also below the XXXX year XXXX offered to other people on the M & T website. 

I was never informed before hand and the letter I received from M & T bank dated XX/XX/XXXX ( weeks after the roll ) and received XX/XX/XXXX ( no idea how it takes 9 days to get a letter XXXX was after the grace period to prevent the " off market '' automatic XXXX roll. 

Because of the large rate discrepancy between M & T bank and other banks it was economic for me get my money and deposit it elsewhere. This could only be done though going to a branch payment of a penalty. This was not appropriate given the lack of information and lack of opportunity to withdraw with no penalty. I was effectively forced to pay the penalty given the longer term harm of waiting a full year at close to a XXXX interest rate. 

When discussing this on the phone with the bank and with the branch representative, they both assert that I received a letter to my home prior to the XXXX maturity which included the terms of the automatic roll. I never received this letter. Additionally it seems that if the impact of doing nothing and letting the older 1 year XXXX automatically roll into a new 1 year XXXX at an " off market '' rate, proper initiative is needed to make sure customers are aware of what is happening. 

Explained this situation to their customer service and to the branch representative but was still forced to pay the early withdrawal fee
I am a victim of identity theft and ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are not mine and are having a negative effect on my credit file and I would like them removed.
I am following through on filing a XXXX complaint against Wells Fargo after speaking with XXXX of CFPB and letting her know that there is no legal aid for the County of XXXX where I live. I let her know that Wells Fargo has sent me a letter dated XXXX XXXX stating that " [ we ] do not meet the requirements of [ the loan modification ] program because the loan modification is not signed. " We have contacted Wells Fargo several times to amend a modification that uses employment data instead of unemployment data. On XX/XX/2015 I spoke with XXXX XXXX XXXX She gave me a fax number that did not work when I tried to use it to submit another attempt to clarify what was happening with my XXXX mortgage. On XXXX/XXXX/2015 Wells Fargo employee XXXX XXXX was contacted by us via telephone to verify which funds and the check numbers of funds she was applying to our XXXX mortgage account. She could not give that information. XXXX XXXX was asked to verify if any paperwork that she had showed that we were employed. She could not. XXXX was then notified that we were being blocked from accessing our account online. She indicated that the property did not have a sale date. We discussed that I would continue to send in both the modification and forbearance payments. She indicated that they would most likely be sent back to us. At no time did she indicate that Wells Fargo had been trying to contact us or that she had any additional information to share with me. 
We also let XXXX XXXX know that since Wells Fargo is unable to correct the financial information on their end, we will submit a new application for a modification based on employment. 
Another company, XXXX, gave our information to XXXX. A representative, XXXX XXXX called me on XX/XX/XXXX. We were told we did not need to pay any money. XXXX then told me that Wells Fargo will not allow them to help us. XXXX XXXX called on XX/XX/XXXX and stated the she as XXXX, however she could give me a XXXX time counseling session.She would take my timeline and write a summary for wells Fargo and I was not allowed to have access. 
We contacted Wells Fargo on the XX/XX/XXXX ,XX/XX/XXXX and XX/XX/2015, however Wells Fargo XXXX latest response was that " [ they ] have been unable to establish contact with [ us ] .... ''
My company has a credit card account with Capital One. They have been charging interest on this account even though the card is paid off every month. 
We have to call them each time to obtain the credit for the illicit interest charge. Capital One considers a payment late if not received on a particular date and does not consider the post mark date as the date of payment. 
If Capital One receives the payment XXXX day or XXXX days later than the published due date the annual percentage rate increases to 29.4 % which seems predatorial.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX : XXXX, N/A XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX : XXXX, Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX, XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX   : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX.
After sending information to verify myself with my disputes ( XX/XX/2018 ), Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXX  XXXX never late XXXX/XXXX  & XXXX XXXX never late XXXX/XXXX  XXXX never late XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX never late XXXX  XXXX never late XXXX  XXXX never late XXXX  XXXX never late XXXX   XXXX never late XXXX  XXXX never late
XX/XX/XXXX I had been informed not by letter, not by phone not in any formal process at all but I have been informed that my credit line was getting decreased almost {$7000.00} {$6900.00} by email. I immediately gave American Express a call I asked them why they did not let me know ahead of time and they stated that they would be sending me a letter. I believe they should have informed me they were going to lower my credit limit prior to actually doing so. I am doing this complaint because I believe some of the actions and things that American Express are doing are illegal. When I spoke with the representative she informed me that if I pay {$3100.00} by XX/XX/XXXX American Express would agree to give me my credit limit back. Originally we had agreed that they would take over my credit limit that I had with the previous company and that agreement I was told I could pay the minimum payments no consequences and repercussions will be brought upon me for doing so. At this point that is exactly what is happening. Also, although the American Express representative expressed this information to me over the phone I gave them a call and I let them know I will pay you the {$3100.00} if you send me an agreement in writing that you will give me my credit back for sure it is a guarantee. The representative simply assured me did they would but said that they can not send it to me in writing which to me sounds strange and not trustworthy at all. I feel as though American Express has went back on their contract that we solidified in the beginning. It's unfortunate that they would give you a certain credit line can remove it from you without notice, & say if you give them a large amount of money they will give it back. This seems to me like bribing and threatening. American Express is making me pay them substantial amount of money under duress which is not fair or legal. In addition American Express lowered my credit limit at an important time in my life ... My credit score has dropped because they took it upon themselves to decrease my credit limit.
Equifax reported me late on a XXXX XXXX credit card. They have me listed as late 30-60 days. I made a payment on this account on XXXX XXXX for {$20.00}, on XXXX XXXX for {$10.00} and on XXXX for {$230.00}. When I called XXXX XXXX about late fees they reversed them on XXXX XXXX for the amount of {$29.00}. The account was never more than 30 days late.
I have owned my home for 10 years. PMI was scheduled to be removed last year automatically when the original LTV reached 78 %. I applied for XXXX assistance earlier the same year and qualified for a very small adjustment ( & lt ; {$100.00} per month ) This apparently reset the timer on the PMI clock, but I was never made aware of this stipulation. ( My current PMI payment is {$200.00} per month ) Basically I used XXXX to save {$100.00}, yet continue paying {$200.00} indefinitely. Seterus will not remove PMI or provide me with an automatic removal date. I have never missed a payment and make plenty of money, the XXXX PMI each month is an insult that makes me consider walking away from the house.
I get this account bill to my house, I had Medicaid coverage, bring the bill to the department of Children and Family, send them a fax in XXXX occasions so that it will be settled, then no receive any information about this situation, checking my credit report I find this account, seeing it reported I contact with the company I explain the details of my medical coverage respond to what it was late because he had already reported that if could remove called before being a communication error between the hospital and the agency, requested delete it from my report I paid already the same, I not responsible for data error that did not occur correctly between companies at the right time.
I have attached my last three billing statement to support my claim with dates. 


I am making payments well above my previous bill and yet Discover is still applying a purchase APR of 12.99 % to a portion of my purchases. This only works if Discover is paying down my current not yet billed purchases. I do not believe what Discover is doing is legal. 


Taking extra payments and applying it to unbilled purchases instead of towards previously billed purchases and towards existing balance transfer. 

Example ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars The XXXX dollar payment covered about XXXX dollars more than what I was billed from previous purchases. 


Instead of the balance transfer being down to approximately XXXX dollars after the additional payment, Discover is stating that the current balance transfer is XXXX dollars ( subject to 4 % APR ) and is then charging me 12.99 % APR on XXXX dollars of unpaid purchases. 


Discovers practice should be investigated, as it is deceitful and unclear. 


I called Discover XX/XX/2018 and informed them of the issue. They basically said that is just how they do their calculation however, they did not provide me with anything specific about my account, just generic rules they have. After I told them I was going to file a complaint with XXXX  and CFPB they offered to give 0 % on future purchases and I declined. My concern is that they are doing this to other people who are struggling financially and this practice is in place to keep people in debt. As for myself I told them I will not be making future purchases with my discover card for awhile and I plan on paying off my bill completely in the next couple of months. 


Additional History : Note : The original balance transfer was XXXX dollars. 
Example of month before ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars Balance transfer should have been paid down to XXXX dollars with the additional payment of XXXX dollars.
Recent changes to the on-line process, in my opinion, creates a security hazard. When a customer chooses to sign-off the account, a pop-up window appears asking " are you sure you want t o Sign-Off ''. Typically, people hit Sign-Off '' and either leave the computer or switch apps such as going to email. The Sign Off button is not in a spot where a customer could accidently hit it so this ask is ridiculous. For the RARE occasion where someone accidentally hits the sign off button and needs to log on again, my feeling is that it is a small price to pay for securing the website. In my case, I was at a remote office checking my account and was called away so hit the sign off button and left my desk, after returning a few minutes later, my account details were open and I realized later that I did not " confirm '' that I wanted to close the account and someone passing by my desk apparently said " no '' and my account was re-opened for them to view at their leisure. I am fortunate that nothing was manipulated in my absence but immediately reached out to Wells Fargo to adv ise of the issue and, as expected, got no reply to my concern.
In XXXX of 2014, I started working for XXXX as a driver. They had a partnership with Santander Consumer USA to provide affordable loans to new drivers with new cars. I was under the impression that it was a monthly lease, and it turns out to be a weekly lease, and the payment is n't even recorded on my credit report. So I end up paying out {$800.00} a month for a XXXX 

I 've contacted Santander Consumer USA and they do n't refinance. I 've looked into an investigation that the Attorney General 's office has done and found that they were offering subprime loans of a predatory nature. The AG 's office has suggested I contact you as well, so I am.
on XXXX XXXX 2017 I went online with Equifax and put a credit freeze on my credit file using their credit freeze page.
Part of the process was the printing of a PDF with the PIN number required to lift a credit freeze.
I am having two problems with this process : 1 ) The lifting of a credit freeze is an all-or-nothing process with Equifax. The other two credit bureaus allow for lenders to access a frozen file using a PIN that is provided by the credit bureau. Equifax only provides you the ability to lift or freeze the file ; the whole purpose of freezing the file is to help ensure that fraudulent accounts are not opened in the name of the person in the credit file using information that the credit bureaus have gathered - without my consent.
2 ) Part of the process of creating a credit freeze is the provision to print to a PDF the provided pin number to access the credit freeze and also to login to the Equifax system. Unfortunately - and I did not notice this at the time - the page with the pin number printed as a blank page in my XXXX XXXX system. Therefore the pin was lost - I relied on the printing of this file to capture the pin information instead of writing it down or having it emailed to me ( do not recall if emailing the PIN was provided as an option or not ).
Note, I was using XXXX XXXX browser to do this.
3 ) Once the pin is lost, Equifax does not provide an alternative method to allow the person whose file is frozen to contact Equifax to fix the problem. The issuance of the pin is a circular process ; to contact Equifax, you need the pin ; if its lost the person whose credit file is involved has no method to contact Equifax to fix this problem.
All provided phone numbers and contact methods are for individuals who are businesses or have an account with Equifax as an Equifax client. or are dedicated to other purposes which are unrelated to credit freezes.
The key webpage to demonstrate this problem is here : http : //www.equifax.comXXXX XXXX You have to login to the Member Center to gain access to Equifax support numbers which may or may not have information and contacts relating to fixing credit freeze problems such as mine. Without the PIN, you can not login to the Member Center, so you can not even see what resources and contacts are available.
Since I am not an Equifax client, and I am a consumer, I have no authorized contact method to reach Equifax to correct the problem mentioned above. I am essentially locked out of my credit file permanently and also locked out from even contacting Equifax to correct the problem.
All other phone numbers on the Equifax website that I found are dedicated for other purposes and are not associated with resolving credit freeze issues. Equifax does not provide much if any support for the credit freeze process outside of a page where you can lock & unlock your credit file.
On XXXX the XXXX I deposited {$440.00} cash into the ATM at Fifth Third Bank located XXXX XXXX XXXX XXXX XXXX KY. The ATM failed to finish my transaction and gave me my card back however it did n't give me my money or a reciept. I immediately went into the bank and explained to the manager what happened ... she told me due to me not banking with them and having a XXXX XXXX Bank account they are unable to give me my money that I would need to file a dispute with my bank. I did file the dispute and my bank gave me a provential credit on my account to cover the {$440.00} until they recieved the money from Fifth Third ... On Monday evening XXXX/XXXX/15 I noticed my checking account was overdrawn and when I called my bank they said they had debited my account {$440.00} bc they never recieved a response from Fifth Third Bank and they told me I would have to call the owner of the ATM and try to get a refund. 
I contacted Fifth Third Bank first thing Tuesday morning and explained the situation. I was told the manager was on vacation and was given an XXXX number to call. Upon calling the XXXX number I was told they ca n't give me any info I am not their customer ... I then called the bank back and explained again I need this money I am a single mother and this is a lot of money ... I kinda felt like I was just blew off when I got the response " I will have to pull all the records for each transaction that day and it 's probably going to take at least a week for us to figure anything out and I will call you if I find something out next week. '' I have tried to call again and no one will speak with me I just get " she 's working on it and will call you back when she figures it out '' I have also called the reginal mananger and left several voice mails that have not been returned. It seems to me that ATM have camera 's and they should have a log of each day 's transactions and end of day balances. I am not understanding why it is taking them so long to look up infomation that should only take hours to find.