WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016, XXXX XXXX, made it totally clear that the reason why Bayview Loan Servicing is going to deny me a permanent modification in 37 days unless I signed the permanent modification violating my rights to give up the right to a trial by jury for the past, present and continuous wrong that has been done to our mortgage by Bayview Loan Servicing and XXXX XXXX XXXX. I completed my three trial modification payments in XXXX 2016, and have continued to make the payments ahead of time for 5 months. XXXX XXXX kept accusing me of receiving permanent loan modification packages that I did n't get. I told XXXX XXXX that I called Bayview Loan Servicing on numerous occasions notifying them that I had n't received a permanent modification package. I also told XXXX XXXX that I notified Bayview Loan Servicing when the second package came wet unreadable and late. XXXX XXXX became aggressive and combative stating Bayview Loan Servicing had the right to dual track my loan. He also stated that Hamp ends on XXXX XXXX, 2016, and after that Bayview Loan Servicing was going to foreclose on my home. He made it totally clear Bayview Loan Servicing Management is upset because I exercised my rights and filed complaints with the Consumer Financial Protection Bureau. XXXX XXXX also made it clear that I had no rights concerning the permanent modification no matter if it did violate my rights. XXXX XXXX also indicated Bayview Loan Servicing Management and Supervisors had flagged my mortgage file for these types of aggressive attacks toward my mortgage account.. XXXX XXXX , of Bayview Loan Servicing LITERRALLY ATTACKED ME, BULLIED AND HARRASSED ME AND WAS ANGRY AND AGGRESSIVE BECAUSE AS HE STATED BAYVIEW LOAN SERVICING MANAGEMENT AND SUPERVISORS HAD GAVE HIM PERMISSION TO DO SO, and I would try to get my Attorney to look over documents tomorrow XXXX XXXX STATED SO WHAT PEOPLE DEAL WITH STUFF EVERYDAY AND SOME PEOPLE LIKE YOU DO N'T WANT ANY HELP AND INSTEAD OF FILING COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU YOU NEED TO SIGN THE PERMANENT MODIFICATION PACKAGE AND FORGET ABOUT YOUR XXXX ILL HUSBAND BECAUSE UNFORTUNATELY WHEN DEALING WITH A PERMANENT BAYVIEW LOAN SERVICING MODIFICATION THEIR IS NO HUMAN ELEMENT TO IT. Basically my interpretation of that statement is XXXX XXXX, Bayview Loan Servicing Supervisors and Management feel as if because they have flagged my account to foreclose anyway that they do n't have to treat me human that my rights, my families rights, the five months that I have been paying ahead of time on my mortgage loan do n't matter because I am not human to them. Bayview Loan Servicing wants to harass me into signing away my basic constitutional right to a trial by Jury so that they can foreclose on my home BECAUSE BAYVIEW LOAN SERVICING AS STATED BY THEIR EMPLOYEE XXXX XXXX DOES NOT SEE MY FAMILY AS BEING HUMAN. Because XXXX XXXX was on speaker my daughter recorded him because as she stated he was so mean to me. The file was too big for my daughter to up load the whole entire conversation so you have a partial conversation attached.
I purchased furniture at    XXXX   XXXX   in   XXXX  of    2016 via a  lease agreement with  XXXX   XXXX . I have purchased furniture through them before and have never had a problem. Additionally, I purchased the furniture in this manner because I did not want to purchase the items on credit, which would have a negative impact on my credit. To my surprise, the account showed up on my Equifax Credit Report as an installment loan. First of all, this is not an installment loan, as clearly stated in the lease agreement ; second, I never received notification that the account would be reported on my credit report, otherwise, I would have never agreed to the terms or purchased the furniture. I would like this account removed from my Equifax credit file, as it is having a negative impact on my credit score.
The entire loan was a rip off from the time I got this used car XX/XX/2018 from the dealership, there were issues and Chase inflated the monthly price of a car with mechanical issues. The dealership lied about many aspects of the car. The cars original value was {$15000.00} and the Dealership and Chase included items that werent disclosed, to have me pay more than the car is worth. XXXX XXXX is also XXXX and has threatned to leave me without a car knowing Im XXXX and XXXX. This entire process was Chase discriminating against me due to my XXXX and poverty. Id like an investigation into XXXX XXXX business practices.
On XX/XX/XXXX, I pulled my credit report and noticed that Account Recovery Special is reporting and trying to collect on an account which they state was opened on XX/XX/XXXX, for {$360.00}. Please note that I have never entered into a contract with Account Recovery Special. In addtion, pursuant to Kansas Statutes, more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account. 

On XX/XX/XXXX, I wrote to Account Recovery Special indicating that I disputed the alleged account and that the Statue of Limitation had run. They received my letter on XX/XX/XXXX. Today, XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged account.
We made an agreement but they had a change of address and moved and did not notify me. So I was still sending my money order to this scam company and now they send me a letter saying that I am going to jail because I did not pay. I called them an told them my mail was coming back to me that I mailed them and the man that answer the phone told me resend it and I did. Now they sent me a threaten letter saying I am going to jail due to non payments. The company is XXXX and XXXX phone number is XXXX.
Transunion credit Bureau remove inquiry from my credit report and place them back on my credit report with given me  a five d ays nofication that they was gon na place them back on my credit report  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX
Disputes were submitted to Transunion XX/XX/18. I received a letter from Transunion dated XX/XX/18 that was postmarked XX/XX/18 requesting proof of address and identity. With my original dispute they received my military id which has my social security number on the front of it and a letter from social security & veterans administration with my address. Now they want a bank statement as on of the forms. Who in their right mind would send a bank statement. This is nothing more than a stall tactic to get additional information and extend their time for investigating. This is a unreasonable request and unnecessary. Transunion is in violation of the FCRA.
Continental Finance/XXXX is still reporting a negative item on my XXXX Credit report from XXXX of 2007. They are violating the stature of limitations to continue to report the negative iteam on my credit report and violating FCRA.
XXXX XXXX ( mortgage originator at New Day USA ) offered XXXX solutions to help me with the high interest rate loan offered by New Day USA. 1. Buy down points for {$5000.00} to reduce the mortgage rate. 2. 30 days after the closing ( XXXX/XXXX/16 ) I could take advantage of the VA 's rate reduction program. A competitor firm highlighted the VA 's rate reduction program for me. I became apparent to me that buying down the rate was unnecessary. New Day USA duped me into paying an additional {$5000.00} in fees.
My issue is with XXXX XXXX who was formerly XXXX in the XXXX XXXX XXXX. The conversion occurred in XXXX XXXX which is when my problem began. With XXXX, we paid {$77.00} monthly for cable and internet. Our payments were always on time, and we never had an issue with their billing practices. XXXX unbundled our services, and began charging us {$120.00} a month. We called every month when we received our statement, and attempted to have this resolved. We were told to not pay until this billing issue is resolved, and they never charged a past due fee. I also told them every month to cancel our service, but they never did. They refused to help us. We also knew we were not the only people having these issues due to the local news reporting that the attorney general of Florida were keeping record of the issues with the conversion. We stopped receiving statements from XXXX in XXXX of XXXX. We have not received any phone call, letter or statement from XXXX stating we owed any amount since we had long since returned the equipment. In XXXX of XXXX, I checked my credit report and they just reported this as a deliquency of 120 or more days in XXXX XXXX. This is unfair, deceptive and illegal to never notify us of a debt owed. Also the debt XXXX is stating we owe is completely incorrect. I demand this be removed from my credit report and to have to this updated immediately.
I learned that our mortgage company reported the month of XXXX 2016 late to credit reporting agencies. We have paid all of our monthly payments timely, in XXXX parts, each month in the full amount due. I review the transaction history online on a regular basis, and each month, including XXXX 2016, showed {$0.00} owed for the monthly payment and a reduction in our principal balance. I have since been advised that the mortgage company, Specialized Loan Servicing, alleges to have increased our monthly payment from {$5000.00} to {$5300.00} claiming an " escrow shortage. '' I did not receive notice of this change. I have since found buried in the statement history an unintelligible letter which in small print, after several charts, notes an increased payment. However, the webpage still showed the original payment amount and both XXXX and XXXX 2016 I paid the original amounts and it showed a {$0.00} balance. Nonetheless, without warning, and without advising we " missed '' the extra {$200.00} for XXXX and XXXX 2016, SLS reported us late. This has decimated our credit, and eliminated any chance of our refinancing this loan. Clearly our history shows we believed we were paying our payment in full, and on time, as we had been. This negative reporting and sneaky attempt to increase our payment ( just 8 months into the loan ) is improper. After all, should n't SLS have to provide a valid reason for adjusting our payment when they decided the amount necessary for escrow? Should n't they have to provide conspicuous notice of the change? Should n't they have to let us know the problem and give us a chance to cure it before reporting to creditors? This is outrageous, and significantly stressful. We have been working diligently to put us in position to refinance - and just got denied and discovered these unfair and underhanded tactics.
Hello. My monthly student loans demand that I pay the entirety of my income to them. I have been working with Student Loan Finance Corporation for eight years and my forbearance has run out and they demand that I pay between XXXX and XXXX dollars a month. I have made it this far but my time has run out. My dad cosigned and is now retired and on social security and there is no help left for me. I make make roughly XXXX dollars a month and now live with my elderly parents to help them XXXX. I have no where to go and no lawyers will touch this problem. I 've literally been told that I have to get XXXX to even consider discharge through bankruptcy.
Yesterday XX/XX/XXXX, Experian reported changed information on my credit file regarding XXXX XXXXXXXX XXXX XXXX, partial account number XXXX .... ( see Exhibit B ) The change in information is perceived as a direct result of CFPB complaint XXXX against XXXX XXXX XXXX XXXX ( Exhibit E ) andXXXX against Experian ( Exhibit D ) .The problem and unfair damage to me is that the information was only partially corrected, the account now shows as paid.Yet the payment history shows unpaid from XX/XX/XXXX through XX/XX/XXXX ( see Exhibit B and C ) .The debt now showing paid was completely erroneous to begin with.The debt was a {$190.00} fee increased to {$250.00} tacked on to a paid auto loan after receipt of the clear title, a 48 month auto loan incepted in XX/XX/XXXX and title received in mid-XX/XX/XXXX.The credit reporting today is still inaccurate yet Experian refused online investigation today ( see Exhibit A ) .The account inaccurate, damaging and incomplete should now, based upon the preponderance of evidence, and after multiple 30 day investigations should be removed from my Experian report based upon protections afforded under the FCRA. 
Additionally the creditor who has been assessed amazing fines in the 100s of millions of dollars regarding malfeasance in auto lending should continue under scrutiny of the CFPB as their behavior noted continues.
Midwest Service Bureau contacted me by telephone during work hours on XX/XX/19 with regard to a debt they claimed I owed to XXXX XXXX of XXXX   County. Approximately one year ago, I contacted XXXX XXXX   directly regarding this same debt, and XXXX XXXX agreed to accept a smaller amount made in payments, nullifying Midwests claim to my debt. As those payments had been made in full several months ago, it is clear that Midwest Service Bureau made no effort to verify whether or not the debt was valid before contacting me. It is a matter of public record that Midwest Service Bureaus practices have led to multiple lawsuits and formal complaints in the past, including other attempts at collecting non-existent shadow debt.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk which seemed to initially happen back in late XXXX of 2017. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media that my data was likely stolen
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have 30 days to responded to my request. I also need EXPERIAN to present a certified final forensic audit in accordance with XXXX in accordance with basel XXXX accord and XXXX. I also need them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
XXXX XXXX has contacted Nationstar for foreclosure prevention alternatives. Due to a valid hardship, she reached out to Nationstar to pursue a loan modification. When denied, XXXX has attemped a short sale, which she feels is her only feasible option at this point to avoid foreclosure. XXXX has acted in good faith by listing the property at fair market value with a local real estate professional, and subsequently securing a buyer. When we attempted to initiate the short sale process with Nationstar Mortgage via their Equator platform, the file was closed out due to the upcoming foreclosure sale on XXXX XXXX. In XXXX, XXXX received correspondence from Nationstar denying her of the loan modification letting her know that short sale could be an option for her. Without delay, XXXX listed the property. Considering Nationstar suggested the short sale, it is unfair for them to deny her due to the lack of time to get it completed. Suggesting the short sale gave XXXX false hope that there might be an alternative.
Ocwen Loan Servicing LLC is running some sort of insurance scam, are incompetent or just likes to harass those of us who are unlucky enough to have our loans sold to them. Every year they purchase insurance on my behalf for Hazard or Flood, even though I send them the documentation that I have purchased the insurance. In fact no matter how I send it to them ( Mail or Fax ) they never have a record of this, and it goes on for months, and up to XXXX calls a year and multiple submissions of the same documentation to resolve it. When they finally acknowledge receipt of the information many months have passed and during those months my payments are higher due to insurance added on. This is theft, or fraud plain and simple. Not to mention I get a letter every week threatening me if I do n't comply with their " orders '' even though I have complied multiple times
Hi CFPB, I 'm writing to you in the hopes that you can help me resolve this issue with Citibank. On XXXX XXXX, 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer of XXXX XXXX XXXX Miles in exchange for opening a CitiGold account, scheduling two bill payments, and spending {$1000.00} from the newly opened account. By XX/XX/2016, I fulfilled the terms of the offer. On XXXX XXXX, 2016 at XXXX PST, I called Citi and confirmed that I fulfilled all of the terms and will be receiving my bonus. On XXXX XXXX, 2016 at XXXX, I made a 2nd call to confirm my eligibility and that I have met all the terms. " Yes, you are eligible and have met all of the requirements. Please wait 60-90 days from the day you fulfilled your requirements for your miles to post '', I was told. On XXXX XXXX, 2016 at XXXX PST, I made another call to Citi to ask where my miles were. " They 're coming, you will receive them no later than 90 days from the time you met your requirements. '' On XXXX XXXX, 2016 at XXXX PST, I made another call to Citi to ask where my miles were, at which time they informed me that I will not be receiving my bonus because I was not eligible, and that they will start an investigation for me and that I will hear back no later than XXXX/XXXX/16. On XXXX XXXX, 2016 at XXXX PST, after not hearing back on XXXX/XXXX/16 as I was told, I made another call, to which I was told to sit tight until the investigation was finished. On the morning of XXXX XXXX, 2016, I was told by an email that the investigation was complete and that I was not eligible despite what the previous reps have told me. On XXXX/XXXX/16, at XXXX PST, I made a call and asked for a supervisor. The supervisor, XXXX, was very curt in telling me that I was not eligible and should have saved the mailer with the promotional code that I signed up with. This was after me informing him that I called twice in XX/XX/XXXX to confirm my eligibility and thus had no reason to keep the mailer, to which he responded " I do n't know how you deal with your mail but an organized person would keep all of the mail of a promotion. '' Citi has strung me ( and doubtlessly many others, seriously, with the way Citi is treating me, I have no doubt there are tons of people filing a complaint as well ) along for more than 3 months now. I have fulfilled my end of the bargain, and have received multiple assurances that that is the case, it is time that Citibank honors the deal that I signed up for.
All Other Agencies are reporting a Fico Score except Experian. So when I have tried to apply for a loan from a bank I have been told several times that I do n't have a credit score?
I have had several issues with my student loan servicer FedLoan pretty much since they took over my loan, including a related complaint I filed with CFPB, Case number : XXXX. I tried to reopen that case since this complaint is related to those same loans but I was unable to so I 'm filing a new complaint. <P/>The latest issue is that in checking my account balance online on X/XX/17 to verify Public Student Loan Forgiveness ( PSLF ) payments I noticed that there was a " Unpaid Interest '' amount that I had not seen before in the amount of {$250.00}. I verified that on the bills I had been sent the past year never included this amount on the bill in either the breakdown of the the principal or interest or was included in the amount due for that month. Since I had always paid my bill in full, I was unclear why I had any amount that would be unpaid. I emailed Fedloan through their websites ' online system and I received a response via email on X/XX/17 and their email did not address my question of why I was never informed of this amount and why it was never included in my monthly payment due amount? I was also concerned that it would effect my PSLF payments, since I had been paying my billed amount fully but apparently there was always this unpaid amount on my account that I did n't know about. <P/>I have attached copies of : 1. The receipt of email to FedLoan 2. A copy of its response 3. A copy of my XX/XX/XXXX bill which shows that the " unpaid interest amount '' is not reflected 4. A 12 month history of my payments which shows that I have paid each month fully according to what was billed as due and which shows that this unpaid interest amount was never included. 5. A screenshot from XXXXX17  which shows that there is still currently an amount of unpaid interest.
I called my mortgage compay to get assisstance on lowering my monthly payments and get back current with my mortgage. 
XXXX with XXXX quoted me and told me that I would be approved for a XXXX year fixed rate of XXXX % for an appraised home value of {$150000.00}. He told me that I owed {$120000.00} on my cuurent loan. He later stated that I would be XXXX a check for {$110000.00} and my new monthly payments will be {$560.00} P & I with $ XXXX for a montly payment of {$920.00}. 
As he was getting ready to finalize the deal XXXX asked my race. After I told him my race he told me that his boss would never allow him to approve my refinance. He then rushed me off the phone by saying he could not help me. 

I feel this was racially motivated.
My credit report shows a 90 day late payment for XX/XX/2015. This is an error and was in forbearance for that time. The account is in good standing and have spoke to them about this a few times and was assured the issues would be resolved. Still on my credit report 3 years later.

The payment history/rating is incorrect.

The creditor agreed to change account information.
I made an electronic payment for both my XXXX and my wife 's XXXX on XXXX/XXXX/16, so I made XXXX payment on each of the XXXX accounts ( auto loans ). This is not a recurring ( automatic ) payment, it is a one time payment made on each account. The XXXX charges were posted against my checking account on XXXX/XXXX/16. Now, today XXXX/XXXX/16, XXXX identical charges were posted against my checking account. Honda Financial Services, without my authority, duplicated the charges, which has resulted in my checking account being overdrawn. It took me hours to contact them. They informed me it is an error and that I should be receiving a refund. They said it would not be the same day, and could not tell me when I will be issued a refund. When I asked how can you process the payments again without my authority, since I am not on automatic payment, I made a one-time payment on both account, Honda Financial Services did not have a response. I still have no answer as to when I will be issued a refund. The additional payments are not even listed on their website as a pending transaction. This is severely disturbing and should be investigated.