WillisBack/dataset-financial-user-claim huggingface dataset:
From XXXX to XXXX I had been placed in a trial periods every three months. US Bank had been redlining my loan for 3 years and accepting my payments during this time. I also received every 3 months, threatened with foreclosure. Not only did I continuously make the reduced payments to avoid foreclosure, I had to obtain assistance from local FHA/Foreclosure Agencies in order to save my home. I now find out that there has been placed an additional 2nd lien on my home for {$34000.00}. This is capitalized interest, yet they are unable to tell me the interest rate, how they came up with this amount, nor do they want to provide me a pay history since inception of my loan. They also discriminated against my race/ethinic status and denied the modification for 3 years, capitalized on the interest. US Bank still will not release a payment history from inception XX/XX/XXXX to current.
PNC misled me into believing that I was receiving a 0.25 % interest discount on my outstanding loan balance for setting up an ACH and having the monthly payment deducted automatically. On more than one occasion over the past few years ( XX/XX/XXXX through XX/XX/XXXX ) I was told that I was getting the discount. During a recent inquiry, I was told that I was not getting the discount. This occurred in XX/XX/XXXX on a call to the PNC customer service center and again on XX/XX/XXXX by XXXX XXXX in a separate call. I filed a complaint with PNC. # XXXX  on XX/XX/XXXX and was told I would get a response within 10 days. On XX/XX/XXXX I followed up with PNC because I had not received a response and I spoke with XXXX XXXX in the escalation team who set out to research the issue. I was told on XX/XX/XXXX that the contract we signed in XX/XX/XXXX was tied to a specific checking account and the ACH had to come from that account in order for me to get the discount.

So here is where I was misled. First, for background, we renewed our line of credit in XX/XX/XXXX and continued to pay down the existing balance. When the balance was XXXX, we determined that we did not need the checking account and it was closed in XX/XX/XXXX. On XX/XX/XXXX, we needed to access funds from the line of credit. I visited the PNC branch on XXXX XXXX XXXX in XXXX Ohio to inquire about the ACH and discount. I was told by the banker that an ACH from any checking account would qualify me for the discount so I set up the ACH at that visit using my current primary checking account. I trusted that the banker knew PNCs policy with regards to the discount and would not mislead me into thinking I would get the discount if I would not get it. Also, since the previous checking account was closed there was no way for me to get the discount unless we modified the existing agreement which I was not given the opportunity to do. Furthermore, I should not have been consistently lied to when I inquired about the discount.
On XX/XX/XXXX I mailed out XXXX money orders to the Ocwen processing center in XXXX Texas. One for {$1000.00} another for {$580.00}. The money order for {$1000.00} was received and processed. The {$580.00} money order was not. I assume they must have been stuck together. I contacted customer service and they stated that payments received on Saturday 's are processed by machine. I contacted Ocwen 's research department, but they could not find the money order. I contacted Ocwen 's ombudsman office and spoke with XXXX. I told her that the post office has a 60 day policy for investigating whether or not the money order had been cashed. This was XX/XX/XXXX. During this time period of 60 days XXXX tells me to continue making payments until the investigation has concluded. I make a payment for {$1500.00} on XX/XX/XXXX which was received and noted to my account on XXXX XXXX, XXXX I receive a check from the post office on XX/XX/XXXX I mailed the {$580.00} amount along with a payment of {$1500.00} these payments were returned with a letter stating insufficient funds for reinstatement. From XX/XX/XXXX- XX/XX/XXXX I tried to contact XXXX but she does not return my calls. XXXX weeks have gone by. I speak with a rep in the ombudsman office and tell him my concerns. He states that possibly they can contact the cashier office, and bring the account up to date. He would have to talk to XXXX about this matter. XXXX weeks have passed finally I get to speak with XXXX. I explain what her associate tells me. XXXX ask what would I like for her to do? I suggest what her associate told me about updating the account. I mention to her about our conversation of the postal money order and the 60 day period, and the post office letter that I faxed to her. She says she would see what she could do. XXXX days later I get a response from her stating there is nothing she can do, the account is in foreclosure.
CBCINNOVIS CBCINNOVIS   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Inquiry on  XXXX / XXXX / 17 . I   did not authorize this inquiry.
<P/>
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Refinanced a loan that I currently had with The Money Source Inc. I was told after all was said and done that my mortgage would be {$21000.00} from a previous {$2400.00} after I asked several times about insurance and taxes in which XXXX assured me that they were looking at everything and that would be my total payment. When I received my new payment which was in fact {$2300.00} which saves me about a XXXX dollars but added XXXX to my mortgage. I immediately called and was told it was a mistake and I would be getting a new payment booklet with my correct amount. Never received a new payment amount so called again and was told by XXXX that there was an underestimate on my taxes and my insurance was never entered which made the difference in my payment amount.
Over the past few years, Ocwen began reporting that my loan was charged off when I actually paid it off. They reported to XXXX. Ocwen corrected the issue on 2 or 3 occasions with oversight from Texas XXXX. 

I was denied credit today as XXXX is reporting an Ocwem foreclosure and negative in city from XXXX. I have never heard of XXXX. 


I need this matter corrected immediately. 

Kind regards XXXX XXXX
In 2014, my husband passed away. I am on the deed and mortgage for the property, however, I am not on the note. HFC will not speak to me. XX/XX/XXXX, I sent a Notice of Error requesting that they discuss the account with me. My attorney sent a letter with a release and we never received a response. I need to talk to my Servicer because there is a balloon payment in the near future.
Hello, Thank you for your complaint  XXXX  about EQUIFAX, INC..   We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.  [    XXXX   XXXX   XXXX   XXXX  !!!! im the victim and equifax is the fraudster!! ] thank you for your admission of GUILT, Equifax can not respond with clarity, they are THE PRIMARY REASON FOR BLOCKING MY ACCOUNT WITH  XXXX !!! AS THE EVIDENCE CLEARLY SHOWS, AND THE NEXT COMPLAINT WILL BE AGAINST THE CFPB FOR ALLOWING THEIR  XXXX   XXXX  RESPONSE NUMEROUS TIMES!!!!!!!!! THIS IS UTTER  XXXX  THE WAY MY COMPLAINTS GET CLOSED WITHOUT A VALID RESPONSE WHE N IM SH OWING TANGIBLE EVIDENCE OF THEIR CRIMES!!!!!!!!
I tried to open an account with wellsfargo and they told me there were accounts open, they took a statement and copies of my ss card and driver license. then told me they would look into it. I waited several weeks and then just said never mind with opening the accounts. I just know some fraud took place but they didnt tell me what. now I would like this investigated.
I disputed XXXX items on my credit reports relating to debts that Portfolio Recovery had been attempting to collect on. As part of the dispute process, Portfolio Recovery sent out a copy of the bill and a letter from XXXX, but I never received any validation documents, such as a signed contract or anything. While discussing it with them, they claim that the bill is validation. any help would be appreciated.
Capio Partners is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.
I contacted Experian to remove the " dispute '' wording on XXXX of my student loans. I believed that the listing of historical delinquency was wrong because these loans were supposed to be deferred. XXXX explained that the delinquency was for times that they were not in deferment. THE DISPUTE PROCESS IS COMPLETE. XXXX and XXXX properly removed the narrative. Experian would not claiming that it had to remain on the account for six months. I was under the impression that the federal law covered all XXXX bureaus. Since there is a section that deals with what may be contained in the file and for how long, how is it the Experian gets to have one set of rules and the other XXXX bureaus another set? 

This impacts my credit score for six months even though I am no longer disputing these items. The Fair Credit Reporting Act provides that the actual present status of my credit be displayed. Refusing to remove these dispute narratives puts my entire report in an improper status with regard to score. This should be a very good class action lawsuit. 
The loans are listed as XXXX XXXX and XXXX XXXX
Entity has placed an account on my credit report for a debt that I do not recognize and keep calling and sending letters to my home. The amounts always seem to be changing and they call and harass me to negotiate smaller amount. 

Original creditor is XXXX XXXX, and theyre claiming I owe {$1500.00}?? But on a credit reporting website I use its stating {$1000.00}?
- Barclay 's Credit Card claimed a payment was not made on time. 
- after further investigation found out my payment to Barclay 's,  had been posted as paid and cashed using a XXXX XXXX account ( copy of cashed money order from my personal bank ). 
- I called Barclay 's and mentioned what found, their response was " we don't know how this happened, it's not our fault '' then proceeded to claim my account as delinquent & tagged on a {$50.00} late penalty fee. 
- long story short I contacted XXXX XXXX and found out the account in question actually is an account that belongs to Barclay 's, which XXXX XXXX retains on Barclay 's behalf for receiving credit card payments from customers like me. 
- I then called Barclay 's and explained what I found, then asked for outstanding amount I owe so I may pay it in full.

- once payment is received and posted by Barclay 's I intend to cancel my Barclay 's credit card. 

Reason am reporting this instance is to have on file as a complaint, and for others to be wary, of Barclay 's Credit Card "  practices ''.
XXXX XXXX XXXX is reporting a negative account on my report. After two attempts, Capital One was unable to provide me with my signature and prove that account belongs to me.
Car rental in XXXX  held car rental from banking account for a deposit even while being paid. The  security deposit is to be held but not to be charged to bank account.  I was charge for overdraft fees and additional fees for overdraft protection. This is the second time my bank account has gotten missed up by Bank America. The money was in the savings account  also the amount is still pending and not applied. Bank of America is charging me unnecessary fees and forcing overdraft protection fees in the amount of $XXXX
Experian has been reporting the same incorrect FICO 8 score for me since XX/XX/2018. I have contacted Experian via XXXX several times ; I have phoned Experian several times ; I have also submitted a written dispute with Experian ; and now a complaint through CFPB. Experian finally admitted on XX/XX/2018 that the incorrect FICO 8 score is Their technical error and they provided me with a case number. However, on XX/XX/2018, Experian now says the problem is with the XXXX XXXX XXXX ( yet Experian admitted it was their technical issue and had provided me with a case number only 2 weeks ago ). Still, I contacted XXXX and they informed me that the problem is Experian, both sending me in circles. No one adressing this serious issue affecting my ability to receive credit. Ever since Experian has been reporting this incorrect FICO 8 score in XX/XX/XXXX ( which they have admitted ) I have been denied a credit limit increase & denied a lower interest rate request yesterday, denied a vehicle loan in XX/XX/XXXX, denied a promotional credit card in XX/XX/XXXX. I have been practically begging Experian to fix this because my vehicle lease expires next month and I need to purchase reliable transportation. If this is not addressed and corrected by XX/XX/XXXX, I could also be denied a vehicle or given a very high rate which would be based on false information. Experian must fix this issue ASAP! Thank you
Southwest Credit Systems on behalf of XXXX reported derogatory collection information to the XXXX major credit bureaus XXXX of 2015. I have not had a XXXX account in approximately 5 years and believe that my account was paid in full. On XXXX/XXXX/15, I sent Southwest Credit a certified letter requesting an explanation of the charges. To date I have not heard from them. In addition, I XXXX to dispute this collection. XXXX removed the information. After filing XXXX XXXX XXXX XXXX disputes with each of them, XXXX keep insisting that the information was verified. By verified, they mean that they asked Southwest Credit if it was mine and Southwest Credit said yes. They are refusing to remove the derogatory information from my report and Southwest Credit has failed to substantiate the information.
I was contacted by XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX , NY XXXX ] about a debt that they purchased from NELNET [ XXXX XXXX XXXX XXXX , NE XXXX ]. I asked them to verify the debt was still valid as I had already paid it with NELNET. They asked me to contact XXXX/XXXX  [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ]. I have contacted all three companies and have the chats/email threads available in PDF format. 

They never replied. I requested : " The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. '' The only documentation that arrived is a photocopy provided by XXXX of my original promissory note. XXXX sent a note stating that my wages would be garnished. They have not been able to verify that this is a valid debt. 

When speaking via phone to customer service at XXXX, they asked me provide proof that I had paid the debt with NELNET. I sent them images and screenshots via email per their request. I have not received a response. 

I was notified that this has impacted my credit rating. I have sent countless emails pleading to have this resolved. 

The complete lack of cooperation and common sense is frustrating. This is a waste of my time. I happy to pay what I owe, but they need to be able to substantiate
THIS IS A DUPLICATE ENTRY TO XXXX XXXX WHICH I ALREADY SUBMITTED A COMPLAINT REF XXXX. IT IS AGAINST THE FCRA TO DUPLICATE REPORT DEBT. SINCE THIS WAS SOMETHING THAT I ORDERED AND CANCELLED AND PAID ANYWAY AND SINCE IT IS A DUPLICATE IT NEEDS TO BE REMOVED
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX XXXX prospectus, XXXX Federal Reserve form FR XXXX balance sheet XXXX Federal Reserve form FR XXXX balance sheet XXXX Federal Reserve form XXXX balance sheet XXXX The Deed of Trust. XXXX XXXX XXXX Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors as well as the original signed application to validate the authenticity of the debt in question according to the FCRA 15 U.S.C. 1681 : XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Hello I am using Amex credit card, i purchased apple watch from XXXX local store on XXXX/XXXX/2016 for {$370.00} for my wife and she just changes her mine and we return that apple watch at same place in ( XXXX ) store on XXXX/XXXX/2016, When i checked online in my credit card account i see instead of credit of ( {$370.00} ) on XXXX/XXXX/2016 they charged me again so they charge me again. 

I called Credit card company twice and they just give me credit of ( {$370.00} ) and still they need to give me credit of remaining {$370.00} since they charged twice. 

Also XXXX charged me {$370.00} in my XXXX account as well and when i called even XXXX representative not responding properly. 

Can you help us here please. Let me know what legal documentation you need any statements or item return bill from XXXX company. 

Thank You XXXX XXXX
My son was cyber hacked some how and charges started showing up on his credit cards and when we got those to stop the hit his bank account several times for thousands of dollars over the next week and a half
Dear Sir/Madam : I am being sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) who filed a complaint against me in XX/XX/XXXX. I now have a pre-trial conference scheduled forXX/XX/XXXX and a trial scheduled to take place the following month. I have been in a legal battle with this entity for two years and managed to vacate a judgment placed against me. I do not have a lawyer because I simply can not afford one. I have filed numerous complaints ( before I was sued ) with the Attorney Generals Office as well as Consumer Financial Protection Bureau ( CFPB ) against XXXX who claim to own my private student loans to no avail. Both agencies failed to conduct a proper investigation into the matter and failed to protect me as a consumer. After I had conducted an investigation, I realized that XXXX did not own my private student loans due to the following : 1. XXXX provided copies of my promissory notes with missing pages ( e.g terms and conditions ) 2.  XXXX provided copies of their Pool Supplement and Deposit & Sale Agreements which were not fully executed, did not list my name, did not reference promissory notes, no purchase amounts listed and not notorized. 
3. It is unclear if the name listed under the lender, XXXX XXXX XXXX, XXXX. Is an authorized signer. Most companies have a delegation of authority in place. 
4. XXXX is claiming I owe more than what I borrowed and paid towards the private student loans. 
5. XXXX XXXX XXXX was acquired by XXXX XXXX in XX/XX/XXXX but did not change their name until XX/XX/XXXX. It is unclear whether XXXX XXXX sold the debt or paid it off when they purchased XXXX XXXX XXXX. 
6. XXXX XXXX is unable to confirm the business transaction between XXXX XXXX XXXX and XXXX. 

When I read the XXXX XXXX XXXXXXXX XXXX about CFPB filing a lawsuit against XXXX, I thought finally there was light at the end of the tunnel. This quickly changed when I called CFPB only to find out no one knew about the case. I thought CFPB made it clear to XXXX to cease all collection efforts in regards to debt collection until an audit was performed? Why am I still being sued? I hope you understand that there are individuals going through the legal process now. Not just those who were already sued and have been paying XXXX. What do you say to those individuals such as myself? Sorry we can not give legal advice. This does not make any sense. CFPB should take full responsibility for letting millions of consumers down. XXXX have been illegally filing false claims in court against borrowers since XX/XX/XXXX. You finally did a review and filed a complaint against this entity in XX/XX/XXXX. Really? If you think you deserve a pat on the back ... ..you dont deserve it. As a matter of fact you should also be sued for your failure to properly conduct an investigation, communicate with consumers and taking action against the entity in question. I need someone in upper management who is familiar with this case to contact me.
Transunion conceals customer service hotline on company website. I had to go to a consumer info sharing site to get the number. I am convinced the number does not appear at all on their own site.
Chase notified me that someone had changed the personal information on my Chase Freedom credit card. I filed a police report and placed a 7 year fraud alert on all of my accounts and told Chase to close my account in XX/XX/2017. I have also called Chase 3 times to tell them to close the account. The account still appears as " open '' on my credit report.
After several years of applying my monthly mortgage over-payment directly to the pri? nciple balance, my statement this month from Select Portfolio Services , Inc. says they are placing extra money in an " unapplied '' or Partial Payment column. The footnotes suggest when the amount equals a full monthly payment, it will be credited to my mortgage balance. First of all, I never asked Select Portfolio Services , Inc. to save money for me. If I am not the only victim here, how much free money is SPS accumulating for their benefit and the detriment of everyone wanting to chip away at that principle mortgage balance? Do they have some lofty goal for the use of all these surplus funds or are they just trying to discourage paying off mortgages before maturity? As a mortgage loan " Servicer '', are they not already accepting a fee for handling my account? Could the fact that I was forced into Bankruptcy to protect my house ( which means they won't communicate directly with me ) make me vulnerable to a mortgage loan servicer or whomever they represent? Is this designed to pressure me to do even more? I have never missed a payment, always paying more, never paid a late fee. Select Portfolio Services , Inc. threatens the very notion that you can retire that mortgage early!
I was a co-signer with a son in law. Wells Fargo.on a car.
I was shocked after I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that was added to my account. I do not believe it is accurate and did some research on some laws called the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ) and also XXXX XXXX guidelines set forth by the XXXX XXXX XXXX XXXX ( XXXX ) which I could use to protect my rights.
In XXXX of XXXX an account was opened at Wells Fargo in my name using my address. A check for {$12000.00} from the District of Columbia for a tax return for XXXX was depositied and then withdrawn via the ATM in a span of five days. There are only three people in the country with my name. I had a mortgage account with Wells Fargo but no bank accounts. Wells Fargo did not adequately take measures to prevent this identity theft and my total loss of this tax refund.