WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX and have been trying to close on a house for a client since XXXX XXXX. It has been over 115 days since the lender has had the contract. At first they loan was for a VA loan. A few days before we where supposed to close the lender says that my client does n't qualify for a VA loan. Something that should have been figured out in the Pre approval process. Did you serve two years or more? Or did you do a full tour? My client did n't meet that requirement. But he paid for a VA appraisal. So then we switched the loan to a FHA loan. We extended the close another 30+ days and extended a again after that. The sellers where very nice in extending and they had a contingent house based on the closing of this transaction. The FHA appraisal took forever and once it came back did n't get uploaded correctly. With all of the issues that this loan has had you would think that the lender would have been in constant contact. I heard from the loan officer 4 times on the phone after I would have to call him repeatedly to get a answer. I went over his head to the branch manager and she did n't know anything was wrong with the loan. The Lender had no since of urgency in getting this transaction closed. With the lack of communication from the lenders and that they kept making promises to close the loan yet week after week it did n't happen. My clients have now lost the home that they where trying to buy and they do n't have a place to live because they had to give a notice that they where moving. They have spent over {$1500.00} to try and get this home and have nothing to show for it. And because they are a FHA loan they might not have the funds to go after another home with all of the costs of inspections, appraisals, and the 3.5 % down payment. Through out this hole process the lender has taken no responsibility and has dropped the ball many times. I feel bad for my clients because at the end of the day he did serve our military and they do n't deserve to be not cared about by a big lender.
I contacted my private loans and was told my severed father would be off of the loans. They refused to take him off, told me I had no repayment options, and are refusing to put my loans in in-school deferment while I am in school part-time. I have contacted them numerous times and never get anywhere and get told they will call me back. I never get a return call but etters 3 weeks later.
I am disputing late payment entries that XXXX XXXX had put on my credit report. It states that I was XXXX-days past as of XXXX/XXXX/2015. That is n't correct I try to always pay during the pay period allotted time
Dear Sir or Madam : On XXXX my wife and I took a mortgage with XXXX. On XXXX XXXX, XXXX XXXX assigned the mortgage to XXXX . On XXXX XXXX, XXXX XXXX assigned the Mortgage to XXXX. However, XXXX did not notify the County Clerk 's office of this assignment. Currently, XXXX is part of XXXX and XXXX is part of Bank of America. According to the County Clerk 's Office, the assignment of XXXX to XXXX first needs to be recorded, and then a lien release ( letter of satisfaction ) needs to be issued. According to XXXX ( please see file # 6 ) Bank of America will be the party responsible for both actions. Please note that we have contacted Bank of America over the telephone regarding this issue, but they insist that the party responsible is XXXX. We are in dire straights and need to clear this matter with the County Clerk 's Office in order to secure a loan to pay for my daughter 's college tuition. Your help will be greatly appreciated. Please see all relevant documents attached. 
Sincerely, XXXX and XXXX XXXX.
I sent a letter via certified USPS mail to Conns Credit Corp that was signed for by an employee at the address listed on my credit report on XX/XX/2018. The letter disputed an account they are currently listing on my credit report as having been late over 30 days on four ( 4 ) occasions. They sent me a letter back a few weeks later with what was supposedly " verification '' of the reported account. I waited the required 30 days as per the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). On the 31st day, I printed an updated copy of my credit report and it still contained the above-mentioned account and had not been marked " disputed '' by any of the credit bureaus as required by the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).  We are now at XX/XX/2018 and I have since printed two additional updated credit reports that do not have the accounts listed as " disputed ''. Throughout this entire process, I have retained copies of the signed, certified mail letters delivered to the company as well as time-stamped copies of my credit reports to verify they did not mark the account as disputed in the required 30-day timeframe.
I am writing to mark a formal complaint once again concerning the predatory strategy, threatening foreclosure, government loan modification denial that CitiMortgage has been using over the past months to " drain '' of money since they are in the capacity out spend the consumer send the consumer there bill according to legal funding that is looking into my case. 
During my last complain, CitiMortgage committed to steps they CitiMortgage was will to take to resolve what could have be the solution I have been seeking and asking for over the months/years. To the mortgage company has continue their tactics and will not give any attention to what they say they will do the remedy the problem to begin a fresh start. 
Attached, kindly find supporting paper works to support that the action of the CitiMortgage this predatory.
I purchase an airline ticket with XXXX XXXX on their US website for around XXXX USD on XXXX/XXXX/XXXX. The fare was quoted in USD and I paid in USD with my Bank of America ( BofA ) credit card. After I received my credit card statement I noticed BofA went on to charge me foreign transaction fee of XXXX USD, which is not insignificant. However on the credit card statement the fare amount was in also in USD. 
I contacted XXXX XXXX on XXXX/XXXX/XXXX complaining and they assured me that my ticket was paid in USD and not in XXXX and was routed through their New York office. 
I contacted BofA on XXXX/XXXX/XXXX to reverse the transaction fee and they told me to read my policy which states the foreign transaction fee. I told them what XXXX told me that the funds were routed through their New York office. I told Bofa that this could not have been a foreign transaction fee, because the transaction was not sent overseas and that the funds remained in the US. On top of that the fare was quoted in USD and I paid in USD. 
Bofa kept being uncooperative, telling me that XXXX XXXX have their office in XXXX hence the transaction fee. 
Even after XXXX representatives I was getting nowhere. 
I asked the customer service rep to provide me with documentation that XXXX did not charge me in USD but in XXXX, including the exchange rate. The Bofa rep was still not cooperative. 
It 's fraudulent and misleading to charge XXXX unaware customers illegal transaction fees. And especially if it a FOREX fee, Bofa needs to provide documentation and the exchange rate of such transaction.
Reference number : XXXX Case name : XXXX XXXX Case number : XXXX The detail of my complaint is as follow : I received a letter from Bank of Americas Legal Order Processing, indicating that they received a subpoena, summons, or both pertaining to the above reference case. As a result, Bank of America will release my financial records to the law firm. 

I called Bank of America and told the representative that the party has mistaken my identity for someone else, and Bank of America should not release my financial records. 

The representative said they were able to match my information. Again, I told the representative that I only have a checking account and after checking with the legal department, the agent said the social security provided by the law firm requesting my financial records is not a match. The number is for another person, not me, and is not a match. However, the agent insisted that Bank of America will  release my financial information per the law firms request. 

When I asked the representative to fax or email the county clerk authorized subpoena or summons, she refused. 

Please investigate this matter and inform me of the results. 

Sincerely, XXXX XXXX
Account with XXXX XXXX opened XX/XX/XXXX. On Trans Union has XX/XX/XXXX. The highest credit was {$9200.00}. Trans Union has {$13000.00}. This loan has been sold five times. My compliant is with XXXX XXXX as well as Trans Union. XXXX  sold to XXXX XXXX, from XXXX XXXX to XXXX XXXX, from XXXX XXXX to XXXX and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form XXXX. I believe this information is outdated. All companies listed stated collections under XXXX. I began XXXX reported having received {$5800.00} when transferred to another lender inXX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. XXXX received payment up until XX/XX/XXXX
Out of nowhere, I received a call from XXXX XXXX XXXX   staying I was defaulted on a loan from Navient.   I checked into my loan consolidation page for XXXX   and it shows I have a defaulted loan with Navient.  No details on this defaulted loan were provided.  I consolidated all my student loans in XX/XX/2016.  Nothing from Navient showed up during that time.  I called Navient and they cannot give me the year the loan is from.   Navient representative says it is eight loans, but my greatlakes website says two loans in default from Navient and refers me to talk to them.  All information provided has been inaccurate.  As far as I know all my student loans were consolidated back in XX/XX/2016 and I haven’t had an issue paying.   Definitely debating the validity of this since the information provided is shady and does not match.
There are multiple duplicate student loan accounts on my credit report and they ca n't determine which ones are duplicate and original. If they determine the difference between the original ones and duplicate ones they should delete them. It is adversely affecting my credit, making my income to debt ratio much higher than it is. I have been refused for a mortgage because of this problem
XXXX is reporting a charged off account whose first delinquency was XX/XX/XXXX.  They have not indicated on my report when the account will be removed yet the two other credit bureaus are removing the account in XX/XX/XXXX. At the latest this account should be deleted by XX/XX/XXXX. Ive disputed multiple times and XXXX continues to report inaccurately. The date of Status is from XX/XX/XXXX so I dont believe that they are contacting Exeter regarding my disputed. Usually when a dispute is submitted, the date of status is current. The date of status they are reporting is from 2 years ago.
Suntrust sent the WRONG statement for XX/XX/XXXX ( for the 4th year in a row ) after I paid my escrow shortage. They took so long to send the correct statement that I did n't pay my mortgage for XX/XX/XXXX until the end of the month. As I always do, I added additional principal to my payment so now I need suntrust to sent a CORRECT statement for the amount due XX/XX/XXXX showing my payment for XX/XX/XXXX, the higher principal amount due and the lower interest amount due. I have asked repeatedly but they refuse to send a correct statement which I do not understand and they refuse to provide any customer service without going through a third party. They are completely incompetent and unprofessional and I need them to do their job and send me a CORRECT XX/XX/XXXX statement IMMEDIATELY. I should not have to keep asking.
NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIMS. This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. LATE PAYMENTS MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted. Therefore, if you are unable to provide me with a copy of the verifiable and irrefutable proof that you have on file for every one even each any and or all of the adverse accounts listed below NO LATER than 30 days of receipt of this complaint challenging your compliance to true accurate and complete timely reporting then you must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of subterfuge from my credit report. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR LATEMENTS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT DELETION OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION.
I applied for a credit card with a local landscaping merchant, and they utilize Greensky as the credit provider. We were assured at the time of application that no interest would be charged if paid in full within 12 months. The charge totaled {$1300.00}. Upon receiving the first statement we noticed interest was being charged, and it was noted on the statement : " If you pay the Current Pay-Off Amount of {$1300.00}, plus any additional purchases or fees by your Promotion Expiration Date, XX/XX/2018, your account will be credited the Total Interest Charged for this statement of {$31.00} plus any additional accrued interest. '' we have made approximately 5 payments as of today. Our most RECENT statement shows a balance of {$1400.00}, along with the statement : " If you pay the Current Pay-Off Amount of {$1200.00}, plus any additional purchases or fees by your Promotion Expiration Date, XX/XX/2018, your account will be credited the Total Interest Charged for this statement of {$120.00} plus any additional accrued interest. '' As someone who works for a major financial institution, I have a lot of issues with this matter. Interest is being accrued each month, on each statement. While on the contrary, we were assured no interest would be charged until AFTER 12 months, if the balance was not paid in full by then. By the account accruing steady interest every month, on every balance, it is not providing a true total for what is due. It appears that Greensky is producing the following : unfair and deceptive trade practices pursuant to state law ; violation of the Truth-In-Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which requires full disclosures at the time the application is provided to the consumer of all financing information ; and violation of state and federal law requiring Greensky to disclose the terms of the financing contract, the consumers right to cancel, the rates, conditions, and the required legal disclosures. 

Each month we pay on our bill, we still receive an increased balance the following month for interest that should not be charged. This means we will have to pay the increasing balance in full BEFORE receiving our interest return, which is not what was advertised. A full investigation into this matter will be necessary, as external research have suggested Greensky has multiple complaints and prior class action lawsuits regarding this same matter.
During the month of XX/XX/XXXX, we were set to refinance our 1st and second mortgage, aka HELOC ( XXXX/schwab ) loan. We called XXXX to request a pay off and was told this would arrived via XXXX, which it did not. The closing was set for XX/XX/XXXX and included the pay off of our HELOC, however this did not happen. As a result, confusion of the payoff and payment became an issue. Although the pay off was sent secure email, this was not sufficient according to our loan processor. This is an erroneous error that caused grave consequences in our family 's attempt to move forward after experiencing a financial set back after hurricane Harvey XX/XX/XXXX. Our property remains in a disaster affected area but XXXX   XXXX  has reported a 30 day late payment twice during this time. We ask XXXX  to rectify this as soon as possible. In addition, this is the second time we ask XXXX  to address the issue of payments during families effort recover from Hurricanes as we do what we humanly can to get back on track.
I had unauthorized hard inquiry on my credit report from the following company : Company : XXXX ( XXXX XXXX XXXX ) Date : XX/XX/2017 2017
I began getting phone calls from a debt collector in XXXX 2016. Despite my informing them I am not the person they are looking for, debt collector keeps phoning me. I have told them they are calling the wrong person and not to call me any more. Last week on Tuesday XXXX XXXX I got a call and both my wife and I told them not to contact me again. Less than 24 hours later I got a robo-call from them and today, XXXX XXXX I got yet another call and again I told the person I am not the one they are looking for. The debt collector replied " well, you are on the internet ''. I again asked them not to contact me again.
My mortgage company XXXX Carrington Mortgage XXXX sent out XXXX Premium Insurance payments to the wrong insurance company and will not get our money refunded back into our account. Our escrow showing negative which has made our house payment go up. All we want is our money refunded and put back into out account. We have lived in our house about 14 Months and have had about XXXX Insurance checks go out, when only XXXX should have gone out for this years Insurance Premium. When we signed papers for our home, our title company paid the first years Premium so the only check that should have went out was this years Premium XXXX which was sent to the wrong insurance company ). Also, in the process of all this my homeowners insurance was cancelled twice.
Hello I attended XXXX in XXXX Florida for XXXX XXXX years. While attending school I received student loans and a few pell grants. I was told that as long as I was attending school my loans were not due and no interest would be added. After graduation and trying to find a job in my field I started getting letters stating I was behind in my payments. I tried on numerous occasions to call and get help with this matter. I asked could they defer my payments and I was told yes only later to find out that did n't happen and the interest was getting higher. I have called and called over the last few years to only get told there 's nothing to be done. This is not right and I will continue to call and seek justice because I have did all I know to do to try and fix this issue. I wil continue sending in complaints and calling until this matter is resolved. I asked about income based repayment and was denied because I did n't qualify.
Hello, I have an amazon   prime   store card managed by Sync Bank.  Amazon  offers the option of 5 % off your purchase or 0 % financing for 6 months. I would never willfully opt to select 0 % financing for 6 months. I set my default selection as 5 % off my purchase as a statement credit, yet I went to check out today, and 0 % financing for six months had been selected. This happens to me regularly, when I go to check out, 0 % financing will be selected despite my default being set to 5 % off. I contacted customer service about this, and they said that if it is my default setting to have 5 %, then it will stay at that setting until I change it, unfortunately this is not the case.     What makes this more alarming is that amazon constantly advertises 5 % off with using their prime card, yet they routinely change the default setting to 0 % financing at checkout without even asking the card holder. There have been a number of times I 've placed large orders and forgotten to make sure they had n't switched the selection on me, only to find that I lost the 5 % savings because of something amazon did, that was not my selection in anyway. This is an unfair and dishonest practice, that is literally taking money from people who pay their card everymonth. I have other cards I could use with cash back, but purposefully use my amazon card due to the 5 %, only to be duped by Amazon on a regular basis.
I 've responded to Equifax by faxing my information they requested on XXXX XXXX, 2016 four different times to the fax number of XXXX and XXXX. I followed up on the matter and received no resolution. I spoke to a XXXX from the office of consumer affairs on XXXX/XXXX/16 and was rudely talked too and loud talked to the point, I could n't get a word in and got hung up on. I 've followed up again on XXXX/XXXX/16 and received the same rep and received the same level of service and got hung up on again. I totally feel discrimated and mistreated by the office of consumer affairs and its employees.
I paid my account balance off before the accounts due date of XX/XX/XXXX and they are charging me {$62.00} in interest.