WillisBack/dataset-financial-user-claim huggingface dataset:
The company reported charge off on credit report. I was never late on the account I tried numerous times to pay account off with representatives on the phone but they kept refusing my payment on the phone kept getting runarounds.Did not know the account was on credit report.The company does not have working phone number district manager was was confused with the corporate office why they were refusing my payment.This needs to be removed from all 3 bureaus because account was never in collections I was actually  paid a ahead.Ref
From XXXX, XXXX to XXXX, XXXX I acquired private student loans from Citibank Student Loans. The promissory notes for those loans state that the loans are variable interest rate loans. 

The interest is to be calculated, according to my promissory notes, as so ; " The 'Variable Rate ' for each Loan made under the Note is the sum of the Prime Rate published in The XXXX XXXX XXXX under the 'Money Rates ' section for the day which is 30 days prior to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of each year ( the 'Index ' ) plus or minus the percentage, as identified on the applicable Conditional Approval Letter that I received in connection with the Loan ... '' The note goes on to say, " The Variable Rate will change quarterly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of each year. '' Here is the problem. XX/XX/XXXX the Prime Rate ranged from 7.5 % to 8.25 %. However, the Prime Rate, in accordance with the XXXX as outlined in my Notes, plummeted to 3.25 % in XXXX, XXXX and has held at that rate until XXXX, XXXX. My interest rates on my loans were never adjusted quarterly, as outlined in my Notes, resulting in some cases where I was paying TRIPLE the interest that I was legally supposed to. 

My loan providers did not follow the language of our contract and I have overpaid a tremendous amount in interest due to this mistake.
Hard Hit Inquiry without permission XXXX XXXX XXXX, 2017 Hard hit my credit without permission. Tried to call and have it removed. They could n't reverse it.
Carrington Mortgage Services has " lost '' {$700.00} of payments that I have paid towards my mortgage. They are considering me late and charging me monthly late fees. I have contacted them numerous times, provided copies of cashiers checks with no resolution. The " history '' they provided is so scattered it does n't clearly show me where the funds the were applied. Either they have violated RESPA with overfunding my escrow account or they have misapplied my mortgage payments.
Bank failed to honor new account promotion code  XXXX . Bank owes me {$220.00}.
A account from XXXX XXXX  XXXX credit on TransUnion for {$1000.00} was deleted and replaced back onto my report
When my income changed I went to my mortgage company, Citifinancial, and asked for help. I asked that they work with us until I was again employed and could make my payments normal again. They claimed to be looking into what they could do for us and ended up doing nothing. We ended up about 5 months behind. We made those payments and still have no idea how much extra interest we paid. While dealing with them we became aware of some mistakes on our mortgage information. We contacted Citifinancial about this and again we were given the run-around. We asked over and over for information to prove the mistakes and never received the information. We received a letter telling us, we thought, that another office would be handling our mortgage. Turns out they sold our mortgage without taking care of the issues. Now the new company has been told we did not have our payments up to date and are refusing to apply our payments until we catch up the missed payments. We are now three months behind, our mortgage balance is still not right and again are being charged extra interest. This is only the tip of the iceberg that is the problems we are having. Can you help us?
Consumer Finance : My name is XXXX XXXX. I am corresponding because I am dealing with identity theft, harassment, invasion, intrusion and abuse. 

In short, I have an account with Google and I use one of the products call Google Play. The account allows for me to make purchases. I can pay by credit card etc. I have receipts for dozens of purchases and hundreds of dollars. Yes, I have changed my passwords on different occasions.
Someone logged into my Google account, and specifically on the product Google Play and created a false radio station called, " Humble '' with specific music I did not pay for. 

The people who are stalking me are intentionally taunting me by violating my financial boundaries in my accounts and where I have made purchases. The stalkers have created diversions to stop me from day-to-day activities. This issue is about money, but is also race related in that they are doing this to taunt, bully and subject me to invasion of privacy and intrusion. The people who are logging in are framing me. 

If I have changed my passwords, what can be done to fix the issue with my account that I use for purchases? 

Sincerely, XXXX XXXX
I applied for a loan modification with a Ocwen Loan servicing in XXXX XXXX. My home had sale date set for XXXX XXXX XXXX while in the modification process. Which was finally postponed. I had a new sale date set for XXXX XXXX XXXX. Then on XXXX XXXX XXXX I received a modification which I was to review. The sale dates are totally a violation of my CALIFORNIA HOMEOWNER BILL OF RIGHTS. When the XXXX XXXX XXXX sale date was finally postponed a new sale date for XXXX XXXX XXXX was set. VIOLATION VIOLATION VIOLATION! Ocwen is still breaking the law of California while under investigation. The CALIFORNIA FINANCIAL PROTECTION BUREAU. The CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT. Why does this keep happening to me and other people of California and the country. Ocwen has been fined by the state which means nothing. Because Ocwen seems to be above the law. What is going to be done for me the home owner for violations of California law. The attempts to foreclose on my home illegally. The law is suppose to protect me and other people of the state of California. The facts are true that Ocwen has violated the law many time in California and around the country. HOME OWNER BILL OF RIGHTS OF CALIFORNIA. CALIFORNIA STATE SUPREME COURT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WRONGFUL FORECLOSURE and cases prior to foreclosure. All the FRAUD from ROBO SIGNING to PHOTOSHOPPING to VOID FORECLOSURE SALE DATE NOTICES. Also PREDATORY LENDIND AND SUB PRIME LOANS and MORTGAGE BACK SECURITIES. My loan is a PREDATORY SUB PRIME LOAN. But the same FRAUD still going on today. STOP this now. GREED GREED GREED! Call it like actually is. I am not making this up. This kind of behavior has to me over and over again. I have health conditions be of what I am going through Ocwen. My so called modification I sent to me consist of a payment of XXXX. Which takes up 53 % of my net income. This is totally absurd. My monthly debt is around XXXX dollars a month. Ocwen has listed my net income at XXXX. Which I do n't know how Ocwen came up with that amount. My loan amount that Ocwen states that I owe is XXXX. My house value of today is only XXXX tops. By XXXX I would pay Ocwen XXXX plus a balloon payment of XXXX due XXXX. A total of XXXX in a total of 18 years. Totally RIDICULOUS amount. This not helping me with my payments or my loan amount. It is only in the best interests of Ocwen and XXXX XXXX. Let me make myself clear. It does not cost Ocwen and XXXX XXXX a dime to give me a modification I can actually afford. The government through the taxpayers have paid for it. The stimulus package back in XXXX and up until now. I did not get the bailout nor did the rest of the people of California and the country. The banks like XXXX XXXX and the rest of them. They get paid by the insurance companies like XXXX OR THE FEDERAL RESERVE when a house goes into foreclosure process. So when the servicing companies and banks foreclose on someone. What ever they get on the foreclosed property is all profit. Millions of WRONGFUL FORECLOSURES across the country.
I recently sold one of my houses and am looking to buy a new one. I check my credit to see that my score has tanked. A main driver is utilization, and I see that XXXX XXXX XXXX XXXX apparently decreased my limit from {$10000.00} to {$2500.00} sometime between the XXXX and XXXX bills. I received no notice at all. I know that Reb B, FCRA and ECOA require that written notice be sent to a customer within 30 days of adverse action being taken. I received nothing. I called to find out what was going on. I was told immediately that there was a returned mail flag on my account and prompted to update my address. When I changed addresses, I filled out a form with the USPS to forward my address. If they failed to update my address when notified by USPS, and furthermore had multiple ways to reach me to let me know they had returned mail ( phone, email or online message center as I have always paid my bills via their online center ) then this is incredibly unfair. I want to dispute this and I want my original credit limit of {$10000.00} restored immediately! The agent on the phone today ( XXXX - who would not give me a last name, badge number or ID # of any kind ) said the only way to get it back was to apply for an increase. She assured me this would be a soft pull so I agreed. If this is a hard pull it will further decrease my FICO score. I asked her again if it was soft, she assured me it was and that the call was being recorded to capture that she verified that for me. This is not OK to destroy someone's credit by taking something away that they have never abused AND not letting them know, only to be caught blindsided by it at a crucial time when their FICO score is important. Please help to restore my credit limit back to where it was. I do not need the credit, I need my credit score back and will be closing my relationship with XXXX ( which I have had since XX/XX/1992 ) if this is not resolved.
XXXX has listed on my credit report a debt that was abolished by Mariner Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car but Mariner Finance has been listing account as an individual account. Mariner Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because Mariner Finance is supplying fictitious information because collection efforts remain in effect for second party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX credit bureau is also listing the erroneous account by Mariner Finance as past due in the amount of {$1500.00}. I have been fighting with this company over this issue for approximately 2 years. 
I need the judgment and the erroneously reporting account deleted from my credit bureau reports as promised. 
Licensed by the Maryland XXXX # XXXX
While I was overseas and traveling for the past few years, someone opened up a few credit cards and a checking and savings account with Capital One. There was a balance ran up of about {$5000.00} on a {$7500.00} credit limit card. I was able to get the account closed down yesterday but it still caused issues with my credit.
I was contacted by Premier Student Loans in XX/XX/XXXX about assisting me with loan consolidations and reducing my student loan balances and payments. They informed me that they could reduce my student loans so that I only paid {$5000.00} of the {$30000.00} I owe in $ XXXX/month increments. I paid their fee in 3 monthly installments and have been supposedly paying {$20.00} a month towards my loan balances since then. Today, I checked my loan payment history with XXXX and Premier has made NO payments towards the balance of my loan even though this {$20.00} a month was supposed to be paid to the balance of my loan. Today, XX/XX/XXXX I have made multiple attempts to email Premier to get my payments applied to my loan and the emails are returned as undeliverable. Their website is also " down for maintenance '' at this time. Due to not being able to get in touch with them, I have instructed my bank to stop all future payments and I intend to seek restitution for these payments.
The Loan " Servicing '' company my mortgage was transferred to is cheating consumers by not applying additional principal payments made on accounts in a timely manner -- or possibly even at all. My normal payments are made via auto-withdrawal from my checking account each month. The amount I owe is {$1200.00} and I always pay {$1300.00}. The additional {$39.00} should be applied toward my principal but they " withhold '' this money in unapplied funds. I do believe it is eventually applied, though I am not 100 % sure but it is not done immediately and therefore interest is accuring and thus in the end I am charged more. MY BIGGEST ISSUE : I recently sent a paper check to make an additional {$3600.00} payment toward my principal. I noted principal payment both on the check and on the payment coupon enclosed. They applied only {$2300.00} of the {$3600.00} toward my principal and then applied {$1200.00} toward my regular payment due XXXX XXXX -- -and then auto-withdrew my normal XXXX payment and applied it to XXXX. Though I am not a financial guru, I am confident that I am not coming out ahead in the interest calculations with the method they are using. They need to apply additional principal payments IMMEDIATELY. I made a phone call this morning and they indicated they would correct the issue ... ..How many people do not realize their deceptiveness and make that call. Americans like me work too hard for their money and when they get the opportunity to try and pay down a principal on a large mortgage, they should not be deceived by these large companies. I did n't choose OCWEN ... ..my mortgage was transferred there. The company is OCWEN Loan Servicing , LLC and the only address I have is XXXX XXXX XXXX ; XXXX XXXX XXXX, FL XXXX. This deceptive practice needs to be stopped across the board with all lenders. We should not have to babysit these companies and make them appropriately apply our funds.
Select Portfolios SPS and XXXX has there atty send a letter saying there is litigation s There is no litigation s I have filed prior with CFPB. But no help! 
I have no Atty., SPS SAID IN XX/XX/XXXX that I need to send new modification application because XXXX did not send my application with approval. 
I submitted to SPS 5 loan mod application and the keep denying the 1 st one took about 1 year then SPS SAID mod program only goes up to $ XXXX, my debt was discharged in bankruptcy in XX/XX/XXXX so there is no debt, but XXXX and SPS KEEP trying to collect the {>= $1,000,000}. Loan bal. when I apply for mod. 
SPS Ombudsman dept. Told me I was denied do to no pay check stubs were provided, I told them I makes box self employed and attached P and L and 2 year taxes.
The SPS agent told me get a year to date p and l I did same day and payed my PA {$500.00} to fast track it, Sps said you 'll have to wait to week prior to sell. 
XXXX and SPS ARE LIARS, AND THEY NO CFPB RULES TO AVoid compliance, it 's My understanding they were caught transferring service right s to avoid compliance with National Morg. Settlement and yet they took a credit prior to transferring my loan. 
XXXX even sent me a letter the loan was paid in full Accounting errors and after XXXX XXXX phone calls
I am a victim of a student loan debt consolidation scam. I received information in the mail. I was informed that this company worked with the government and they had all my information. they offered to consolidate my loans and give me a low monthly payment. they had me submit tax returns and all of my personal info. one month I noticed a payment was not withdrawn and I called FASFA to discuss my loan amount and they informed me that this was a scam. the company went as far as contacting FASFA pretending to be me to set up an account. They scammed me for XXXX dollars and none of the money went towards my loan.
I tried to get a new and I was denied. I ask to speak with the finance manager and he  went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX.
I have tried to get my free annual credit report from Transunion twice, I have sent proper requirements first time I sent a copy of my ID with old address on it and social security card on XX/XX/2018 In responds Transunion stated they need a utility bill with my current address that was current so I sent that to them, they respond back with letter stating that that was not acceptable proof how is that when that was one of the requirements, so I updated my ID with my current address and resent a copy of my updated ID, social security card, and a utility bill XX/XX/2018, they responds back XX/XX/2018 that the documents are not illegible, I'm at a loss I need my credit report
In XXXX 2015, I terminated a lease early with XXXX at XXXX XXXX in XXXX XXXX, FL. The lease stipulated if the lease was terminated early that I had to pay 2 months rent at termination. I went to my bank and got a money order for the amount that was due less my Security Deposit. I withdrew {$1400.00} from my XXXX XXXX XXXX account and used {$220.00} in cash I had on me to get the money order. I gave it to the XXXX XXXX one of the property managers. She gave me a release that showed no further money was due. In XXXX 2015, I received a notice from XXXX saying I owed {$1600.00}. I immediately disputed this with XXXX and contacted XXXX at XXXX XXXX who denied receiving the funds and had no explanation as to why they never contacted me before turning me over to collections. I have disputed this with XXXX and both XXXX and Equifax to no avail. I have hired an attorney who sent demand letters which were met by legal threats against me. This has cost me a job and hurt my ability to obtain credit. I just want this incorrect information removed from my credit report.
On XX/XX/XXXX I had a missed call with from XXXX. I returned the call and a man that identified himself as XXXX at ext XXXX questioned my name, and birthdate. I verified that his information was correct. He went on to ask if I ever had a XXXX account, and I said no. He said that a loan was taken out from XXXX in my name for {$1700.00} and the money ( apparently ) was put into XXXX account. Caller stated his company purchased this account from the Delaware bank. I told him to send me something in writing for me to further review. As it turns out from a little research, the Delaware bank he claims to have bought this from has been defunct for years. FDIC pulled out XX/XX/XXXX or earlier. The whole thing sounds like a scam to me.
TD Bank discriminates based on Race. Despite opening similar credit cards at the same time, both linked to a joint checking account, my husband ( XXXX last name ) has received multiple credit increases automatically, while I've never received a single automatic increase. In fact, when I requested one, I was given an increase of XXXX . 

All this is despite the fact that I have a higher FiCO score and a higher paycheck. 

Literally the only difference between us is that I have an XXXX last name and he has an XXXX one. 

I contacted the bank and got a run around. I was basically told to call a different department and request a credit limit increase, something that my husband had never once had to do. They are attempting to hide behind late payments. Which is ridiculous, since we pay the bills for both cards almost concomitantly. In any case, that would not account for the disparity at this point ; which my husband at XXXX limit and me at XXXX ... 

That's the subtle way that financial institutions continue to discriminate against customers of XXXX decent. I can provide documentation in the form of both accounts for a comparative analysis.
I applied for a home loan and a bunch of accounts listed on my credit report are not mine. They are only listed on Transunion and not on XXXX or XXXX. I have called Transunion 5 times and 4 times I am told that there is no record of my previous calls and 1 respondent " XXXX '' said that they sent out letters to the bank and the banks responded that the account are mine. I finally got the representative ( all in XXXX ) to transfer me to a USA representative who again responded that there is no record of my calls, but figured out that my social security number is incorrect in their system and would take 2 to 3 weeks to fix. I started this process on XXXX with them and it is always weeks away for a fix and then they claim that there again is no record of anyone calling. Can someone please help me get the numerous accounts ; which are actually in great standing, taken off of my Transunion Credit report ; so that I can buy a home? The bank says that I am paying out more than I am making on these accounts and reportedly own a few homes. I never owned a home. The Transunion people told me that I was supposed to contact the banks listed on the credit report and dispute the incorrect information with them. I called all 7 banks and they all said that I am not listed on those accounts and nothing to do with them and redirect me back to Transunion. Again, some of these accounts list {$200000.00} homes ; XXXX fully paid off and another with half of the loan paid ; no late payments.
This is a follow-up to Case XXXX concerning Wells Fargo statement that they have not been able to get a hold of XXXX XXXX to discuss correspondence regarding XXXX. 
On XXXX XXXX I spent 2 hours on the phone and explained 5 times about the sale of my home to Wells Fargo and then finally transferred to XXXX. She gave me the fax number XXXX to fax to them final copies of the sale of my home on XXXX/XXXX/XXXX to XXXX XXXX from their lawyers XXXX, XXXX XXXX XXXX XXXX, XXXX Wi XXXX. Registered Mail. A sheet was received stating all XXXX pages and cover sheet was received. It explained the assessed value of {$86000.00} not {$140000.00}. Sale XXXX/XXXX/XXXX while they said abandoned XXXX/XXXX/XXXX to the IRS. It said I owed them {$100.00} while filed papers stated 5 times it was under XXXX allowing them to sell in 3 months and not holding me deficient for any amount. On XXXX XXXX, XXXX I called back and was on the phone over an hour and finally ended up talking to XXXX who constantly tried to get my phone number. I called on a blocked number. I would not give them my phone as they had harassed me 3 to 4 times a day until I had to have my phone removed. AND THAT WAS AFTER THEY HAD GIVEN ME PERMISSION TO LEAVE MY HOME XXXX XXXX, XXXX ... AND THEN DENIED IT.
On my most recent account statement, Santander charged me a {$3.00} " paper statement fee. '' I had not been notified that I would be charged for receiving my checking account statements via XXXX Mail. Not only was the fee a surprise, but it is also unjustified because the price of printing and postage does not add up to {$3.00}. Nevertheless, I complied with Santander 's desire and signed up for online statements. Then I asked Santander to reverse the {$3.00} fee in light of lack of notice. To date, Santander has not reversed the fee.