WillisBack/dataset-financial-user-claim huggingface dataset:
On my transunion report ( through XXXX " the folllowing information is showing incorrect : - XXXX mortgage ( open with XXXX missing payment ), it needs to show " closed with zero missing payments - XXXX should show closed Please Transunion correct this information
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft Bankruptcy chapter XXXX-dismissed XXXX, XXXX XXXX XXXX   XXXX
For the last four years I have applied for a XXXX Card thru Barclays Bank. Every year I am denied. In XX/XX/XXXX, I applied for a XXXX  card thru Barclays Bank and was Approved. XX/XX/XXXX I applied for another XXXX   Card thru Barclays bank and was denied. So, I contacted customer service and spoke with the review department and was able to speak to XXXX and escalated to XXXX.

XXXX. advised that the XXXX card was denied. They had not run a hard hit but due to the records on file in house of a bankruptcy from XX/XX/XXXX it was the reason for the denial. I asked how long would this record be on file and he advised he was unsure and had know knowledge if it would be removed from their system. I was also advised that this was the policy, which he could not give me specifics on their policies, could not email or mail me anything. Then I advised him of my XXXX card that has been in good standing for the last 4 years, that was approved by them which was closed this month due to XXXX  closing. He goes on to advise me that its a possibility that the card fell thru the cracks! Not the case, because they could have closed my account.

The supervisor XXXX was no help either and simply reiterated was XXXX said. I feel that their practices are unfair, the don't provide information that makes any sense to the consumer. What can be done to assist me with this matter?
I am researching whether I have been double-charged for " XXXX XXXX '' survey fees in this and prior years, and whether any intermediaries beyond First Data and XXXX XXXX have inserted themselves ( and charged fees ) into the Credit Card Processing cycle.. I seek to eliminate any such intermediaries ( and eliminate, minimize related fees ), and determine how and why " XXXX XXXX Merchant ''  appears as " Bank '' on invoices,
For years I was only given forbearance options and my loan has skyrocketed to over 110k because of the interest capitalization and origination fees. That was never explained to me nor did I completely understood my options at the time. Forbearance was the only option offered. I believe when I completed my XXXX program ( Never could finish my dissertation ), I could not afford any additional loan and my balance at the time was only XXXX. Now I am not even going to school and it ballooned XXXX higher.
Last month after XXXX and before XXXX a voicemail was left for me on a co-workers line by a representative of BMO Harris Bank. My supervisor listened to the voicemail because my co-worker was out of the office and she gave me the message. I called BMO that day and told a representative what had happened and that I could not get these types of phone calls at work. I wanted to talk to whoever it was that had called, but after putting me on hold for over 10 minutes I had to hang up, since I was at work. This morning my co-worker hands me message slip. BMO has again called me at work and left a voicemail on my co-workers line. When that line is automatically answered it 's very clear about who you leaving a message for. It should be clear to the BMO representative that you will not get to my voicemail to leave me personally a message if you call after our work hours.
This account is reporting in error. It says on my credit report that the account was opened in XX/XX/2017. I have not been to any hospitals or doctors in years.
Back in XXXX, someone deposited a check into my Bank of America account in the for a large amount which i did'nt have any knowledge of and without letting me know, they shut my account down a reported me to XXXX XXXX. Now i can't even open a bank account for something that wasn't even my fault.
My escrow amount was amortized over 60 months. Suddenly, Capital One decided to shorten the amortized period to 48 months. This has caused extreme financial hardship for me. Today, after numerous attempts, I spoke with one of Capital One representatives, XXXX ( ID number XXXX ) who told me there is no supervisor or Customer Advocacy Team member to speak with me regarding my complaint that my escrow payment was increased. 
Furthermore, the correct escrow amount is {$28000.00} NOT {$33000.00}.
I have tried several times to get derogatory and outdated items removed from Equifax and there information is not up to date I have incorrect information and never get to dispute it by the time I get to the final page it always says this page unavailable my score is way off and I need suggestions and or help thank you
My American Express credit card payment was due on XX/XX/XXXX. I went onto the app to pay it and for some reason it did not go through. Not sure if the mistake was on my end or the company. On the XXXX i noticed the funds didn't come out of my account i went in and paid it. I was assessed a {$27.00} late fee. Because i have been a customer for a couple of years and have not had any late fees, i decided to call American Express on XX/XX/XXXX to see if they would consider rebating the fee. I spoke to a young man who told me it was absolutely no problem, i would have my money refunded to me in 24 hours. He then went on to try to sell me upgrades and products which i declined. 
On Friday, XX/XX/XXXX i noticed that the fee was not refunded so i called again and spoke to XXXX. She apologized for the previous representative and said that he never submitted a refund. She stated she would take care of it and the refund would be on my account in 24 hours. 
On Monday XX/XX/XXXX still no refund. I chatted ( online ) with customer service and and they told me that XXXX and the first rep submitted the rebates however they were declined. They said both reps knew they were declined and should not have told me they were approved. 
On XX/XX/XXXX i called again and spoke to XXXX who apologized profusely and said that she didn't know why they lied- however she believes its because they didn't want to upset me. She assured me that she was escalating to a supervisor and also filing a complaint. She told me the supervisor would approve the refund and i would see it by today, XX/XX/XXXX. There is no refund today. 
If they couldn't rebate the fee, they should have told me that and i would have accepted it. I don't believe it is ethical to lie to a customer just to get out of what you think is going to be a difficult conversation. It unethical. And given the fact that the first gentleman immediately went into a sales pitch after he lied to me, i believe the conversation was a UDAAP violation as well.
my husband had a XXXX XX/XX/XXXX. our lender was required by law to work with us and gave us a loss mitigation for 12 months. as soon as my husband was able to return to work before the 12 months was up, they sent us a nasty letter demanding over {$7000.00} in back payments and over {$2700.00} for some terrible very expensive insurance they purchased, when it was due to their incompetence that our good insurance in escrow had gotten dropped because they kept paying it late, causing there to be alot of late charges and increasing the overall cost of the insurance. but that 's a secondary problem. after a loss mitigation loancare/XXXX- was suppose to have offered us a payback agreement arrangement or give us a modified loan which would have put the missed payments onto the end of the loan, which we mistakenly had believed they had already done. but they offered us nothing. they sent the letter dated XXXX XXXX, but we did not receive it until XXXX, and the deadline to file an appeal they set on XX/XX/XXXX. so we barely had any time to file an appeal. i managed to hand write a very sloppy one and get it mailed on XX/XX/XXXX. what they have done is to invalidate the entire loss mitigation purpose. they knew we did not have an extra {$9000.00} at that point just lying around to give them. they were angry at having to give us the loss mitigation in the first place. but this has to be a violation. they also XXXX so his credit rating has become so poor, that when we tried to get new house insurance there was n't one company that would pick us up anywhere! suddenly due to conditions beyond his control, and after never before missing a mortgage payment, or filing a house insurance claim of any kind, he was such a high risk as to be completely uninsurable! this company is disreputable and should be put out of business, they started foreclosure proceedings after wer were late once by five days with our payment. when we tried to make payments twice they refused to take our money, yet they keep sending letters stating we are now two payments behind, but they wo n't take our money. then we found out they have refused to put our XX/XX/XXXX payment on our loan. so they have our {$540.00} just floating around somewhere. they sent us an apology letter, saying they had meant to tell us our new payments were {$700.00} but they were still foreclosing! now my husband is a veteran and we had been working with the va home loan program and were told they would refinance our mortgage if loancare would remove all its demonizing and libelous bad credit reporting, we did not miss any payments. we had a loss mitigation and kept up with all that was required of us for almost a yr. during a very difficult time in our lives when we did n't have XXXX cents to rub together! this negative credit reporting is obviously just done by robo computer program. its not as if XXXX just decided one day to quit making his house payments.
I had student loans through XXXX XXXX since XXXX. 
My loans eventually transferred to the company Navient. 
I was experiencing financial hardship in XXXX and was told I could put my loans on hold for 3 months by Navient, however I was charged over {$1100.00} in interest over that 3 month period. 
XXXX This document of the capitalized interest is in an uploaded document attached ) I have XXXX different private loans through Navient. On XXXX of my loans the interest rate is 10 % which is making it impossible to pay off my loans, I 've mostly been paying interest for the 10 years I 've been out of college. 
copy from my Navient account on XXXX of my private loans. 

Unpaid Principal {$15000.00} XXXX XXXX {$15000.00} XXXX XXXX 10.250 % Interest rates on private loans are set by the lender. 

After calling Navient numerous times to lower my interest rates I would be put on hold for XXXX minute and then told there is nothing they can do This has happened multiple times. 

I have over {$65000.00} in student loan debt and with my high interest rates that wo n't be adjusted and the deception by this company, it has been so hard to pay my loans off. 

I am looking to refinance with XXXX to have a better interest rate, but have been so unhappy with the service of Navient. After reading the lawsuits again them and other borrower 's stories I realize I am not the only XXXX suffering from student debt. I pay over {$500.00} a month and I feel I am not even making a dent in my loans.
Opening Experian and XXXX XXXX, I had several credit based questions. 
Mainly about a mortgage I Oobtained from a bank that ( I am obviously answering this question incorrectly. In addition to a phone number ... 
I appreciate the security, but I am amazed, that I am unable to obtain my information, about myself..and possible errors created fictiously. 
There is an apparent glitch in this program when it is not programmed to adjust questions accordingly.. I would appreciate any help to freeze my accounts due to the refusal of allowing ME access to MY accounts.. I would like to obtain XXXX credit reports for free Also. I noticed that a credit report advertised, is XXXX. I thought they were free.. 
Please & elp me out here, I appreciate your helpfulness.
I signed up for the Bank of America XXXX XXXX card with a signup bonus or XXXX points after {$12000.00} spend. I chatted with a bank representative named XXXX on XXXX XXXX who confirmed with me that I was {$500.00} shy of spending {$12000.00}. I proceeded to complete the spend immediately. BofA claims I did n't hit the spend. XXXX mislead me by giving me inaccurate information. I deserve this bonus as I did exactly what I was told by BofA representatives.
They all the same group of lier XXXX XXXX XXXX, it is the company that brought me to the problem this company name is not exist on bbb.org No one pick up the phone 24/7 for the service.

Recently I entered in to what I thought would be a mutually beneficial arrangement with this company concerning the optimization of my POS system. The system I have already is a high quality system with all in 1 with the terminal, but their salesman convinced me that their services would be a welcome addition to my existing set up and no need the 3rd party of terminal. Though he lied about a great many things, the crucial lie was the one in which he assured me that these services would be easily integrated in to my already existing POS after apparently calling his home office to confirm that was the case. I do not have the space on my front desk to accommodate additional terminal equipment, which I made clear and which the salesperson confirmed he understood ; I would not have signed the contract if I had known that was required. After lying about the contractual terms and asking me to sign a blank contract and told me he can cancel it in 30 days if I 'm not satisfy and the Sales person simply disappeared now. XXXX XXXX XXXX has charged me for four months of services that were never rendered. Their excuse for denying me a refund is lame and hollow because they have failed to do as they promised and buy out my contract with said current POS company. Their response to my concerns has been insulting and demeaning, not least because they are obviously taking advantage of the language barrier ( I speak english as a second language ). Furthermore, the nature of our communications in addition to conflicting reviews online lead me to believe that if they are not operating illegally then you are certainly close to it.

I 'm trying to contact them and their partner but still XXXX.

Now 100 of small business got a nightmare from this company because it is in the wind. but Attorney General XXXX XXXX XXXX filed a lawsuit against XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX-XXXX XXXX  alkla XXXX XXXX XXXX., XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX ( collectiveiy, " XXXX XXXX '' ), as well as principal, XXXX XXXX alkla XXXX XXXX XXXX, law firm XXXX XXXX. XXXX, XXXX, and several others, on XXXX XXXX,2016. The lawsuit accuses XXXX XXXX of engaging in illegal and deceptive business practices in the leasing of credit card processing equipment to smali business owners. The lawsuit seeks to enjoin the respondents from engaging in these practices, rescission of leases obtained by fraud or other misconduct and restitution. In addition to this relief, the lawsuit seeks to vacate default judgments obtained by XXXX XXXX by fraud, misrepresentation or other improper practices. https : XXXX Now they try to use legal hold my money from my bank. So I have no idea why they still alive and make people suffer more and more. https : XXXX
I applied for a VA loan in XXXX 2016 and was told 2 months later that it could n't be done because my purchase was too small so I was recommended to do it with a Home Equity Line of credit with the purchase tied into that. So I started the application process for a second time. I was told that the purchase process would take 6 weeks to be able to purchase a {$14000.00} home. That was on XXXX XXXX. The appraiser was supposed to have the appraisal done by XXXX XXXX and it did n't get done until XXXX XXXX 2016. On XXXX XXXX I called to find out when we could close on the purchase of my home. I was told that everything was still in the appraisal review department and that they had not received the appraisal yet, I wonder why I had to call in and get that information before anyone started anything for a follow up with the appraiser. Here I am now, waiting to get my home equity line of credit to use as a purchase and make some necessary upgrades and some credit consolidation. This is taking an unreasonably long amount of time. I expressed my concerns to the bank but have been told there is n't anything further that I can do. My loan officer has her hands tied and has escalated it as high as she can go in the processing department and it seems the behind the scenes paperwork just is n't getting accomplished. It is n't hard to be on top of the process. This is causing me a lot of XXXX.10 weeks and counting to purchase a manufactured home is way too long. I know that if the bank expected payment 6 weeks from the application date that I would have been sent to collections and possibly foreclosed on if I did n't meet my obligation. The bank has an obligation to me, the customer, to process this in a timely fashion. It just is n't happening. All i am getting are excuses.
Experian Consumer Credit Reporting Agency did not follow legal process and remove the erroneous reporting information within the legally prescribed timeframe of 30 days after all documented evidence of such occurrence had been served effectively. Upin information and belief, XXXX XXXX and XXXX   Consumer Credit Agencies have removed said erroneous information from said credit report.

USPS certified receipt number # XXXX  sent on XX/XX/XXXXand was received by XXXX XXXX XXXX  on XX/XX/XXXX. Since this time has elapsed no response has been sufficiently received from dispute as legally prescribed by law.
I have sent multiple letters advising the bureau that the information listed on my report in regards to the bureau is incorrect as I am not the owner of the bankruptcy. It is to my understanding they use the last XXXX digits and other identifying elements which could easily be someone else's/ The y sent me information stating they verified with XXXX XXXX in which I am not familiar with @ all. I have sent several disputes and this is my final dispte
Repeated calls ... MANY calls, all recordings, for our son, saying he needs to call them regarding his loans. Identified as Navient. 1 ) Our son has no debt with them, 2 ) he has n't lived here for years, and would never have used our phone number for anything like this. 
When he called the number they left, they then identify themselves as a student loan consolidator. 
We want these calls to stop.
XXXX card XXXX was not properly and accurately reported. 
XXXX date of delinquency is not reported Last Payment date is not reported XXXX Major delinquency is not reported under FCRA I am entitled to have all items complete and corrected.
We had a XXXX mortgage with HSBC.We received a Cancellation of Debt from HSBC dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. Months later we received another copy of Cancellation of Debt which was dated XXXX/XXXX/XXXX. This form said it was corrected and stated the debt discharged was XXXX.The XXXX discharged {$24000.00}. We heard nothing from HSBC or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At this time we heard from XXXX XXXX XXXX. 
XXXX claimed we owed $ XXXX+with late fees. We were able to get a loan modification on our XXXX mortgage due to my being forced to retire due to health issues and we could not afford our XXXX mortgage monthly payments. We are still struggling with our monthly mortgage payments and we heard out of a 4yr. silence that we owe for a XXXX mortgage. There is no way we can pay this back on our current fixed income.
Over the XXXX XXXX  XXXX weekend ( XX/XX/XXXX, XX/XX/XXXX ), there were 5 fraudulent transaction at various XXXX XXXX in Georgia in the amounts of {$450.00}, XXXX, XXXX, XXXX, XXXX. I was contacted in the morning on Monday XX/XX/XXXX by XXXX  XXXX  by phone informing me they believed I was a victim of fraud. I confirmed their suspensions that I was not in Georgia nor did I make any of those transactions. They immediately cancelled my XXXX Saving Account Debit and reissued a new card. I then submitted the requested transaction disputes forms by email on XX/XX/XXXX. I received confirmation of the receipt of the forms on XX/XX/XXXX and my claims were being processed. Four weeks later, my funds have not be returned to me nor have the fraudulent charges been removed from my transaction history. When I contact XXXX  XXXX  customer service, they are unable to provide me with any status updates. At this point, the fraudulent charges remain on my transaction history which will be reported incorrectly to the IRS as I didn't receive any services or goods from those transactions. I am unable to get anyone at XXXX  XXXX  to help revolve this issue but rather get a runaround that it is out of their hands because the card is issued by a 3rd party vendor. 
I do not do business with XXXX  XXXX XXXX vendor nor should XXXX  XXXX   customers be obligated to work directly with any 3rd party vendor of the bank. I request CFPB 's assistance in getting this issue resolved before XX/XX/XXXX year end primarily because of the IRS tax implication.
I called Target RED card today ( XXXX XXXX ) to pay my credit card balance in full ( {$60.00} ) and was informed my balance is now {$86.00} due to me being hit with a {$25.00} late fee. My bill was actually due XXXX XXXX, not the XXXX. I explained that I was out of town and it just slipped my mind but with today being the next business day after the XXXX holiday and next business day after my bill was due, I assumed that I would have a grace period of some kind. They insist there is nothing they can do to waive it and that even if I spoke with a manager or supervisor they could n't waive it either. I find this rather egregious and ridiculous that if I am a mere XXXX days late, ( a holiday weekend no less ) that they will not work with me, especially when i am willing to pay my balance in full.
I have made complaint to CFPB in 2016 via complaint # XXXX. Because of the Chase Bank fault they forclosed my property some where in 2016. We have filed appeal for the same in appeal court. Let me give you some info from the past. I have investment property located in XXXX, Illinois. Chase bank was the lender. It was a rental property. I was behind in payments, so I was trying to modify my loan with Chase. During that modification Chase bank sold loan to XXXX. I received the letter stating that loan was sold and very next week I received another letter from Chase stating that it was a mistake and the loan is not sold. So I at this point I was submitting the modification papers to Chase and in return I was getting reply from Chase that they have received my modification papers and they will let me know if they need more clarification. In fact that was a mistake on Chase Bank part and they admitted that the loan was sold and the letter they send was a mistake.I short the house was forclosed below market value and now they have put that house for sale at much higher price. Original mortgage was {$100000.00}. House was forclosed at {$79000.00} and rest they put judgement against me. Then I received XXXX XXXX from XXXX and I have to pay Tax on that which I paid in 2016. The judgement of {$38000.00} they gave to collection agency to collect. After the house was sold to XXXX, Chase bank bought it on Sheriff sale. But Chase was denying that they do not own the house.This whole thing is misleading. My question is that if Chase bought houise in sheriff sale then why they are denying and why XXXX sold house. As of today the same house is listed with XXXX XXXX in XXXX and has an pending offer.
I put {$500.00} on the XXXX of XXXX. My card has a {$0.00} balance. When I call it says my card has not been activated. I have had this card for 2 years. It 's activated. When I finally did get through to speak to someone, I was told they ca n't access any accounts, and I would be contacted by text message when it was fixed. I 'm still waiting