WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage was bought by Carrington Mortgage Services from Bank XXXX.  They are telling us that there is a late fee from Bank XXXX.  They can not tell me when or why I received this fee.  I asked them to wave this fee because they can not tell me why or when I received it.  They refused.
CBNA made a hard inquiry on my credit without asking me. I already have a citi bank card and have had it for a year, why are they pulling a hard inquiry and lowering my credit score by XXXX points???
I opened a checking account with Citi because they were offering XXXX XXXX XXXX miles for signing up. In order to earn the miles, I had to pay bills through the account and spend at least {$1000.00} on their debit card. I did these things to earn the miles. Citi assured me I would get them with my XX/XX/XXXX statement. This has not happened and now they are saying it 's being looked into, but are n't providing any resolution. All the while, they have been charging {$30.00} per month for this account.
My current lender is Navient, and my schools for undergraduate and graduate were XXXX University in XXXX, XXXX, XXXX XXXX in XXXX, XXXX, and XXXX University in XXXX XXXX, XXXX. Inhumanely, Navient has been calling me 8 to 10 times a day threatening me with default, but claiming to offer a suitable repayment plan that will avoid such action. When I return the call, I explain my situation : I am unemployed with health struggles that have left me XXXX to work for a certain amount of time due to, XXXX and XXXX. Despite this knowledge, as per their usual, they deny me a repayment plan. I have not once denied that I will pay, but their inconsistent influx of what is due has placed me in an emotional tailspin. Sometimes, they claim that I need to pay XXXX a month and can not go any lower, sometimes its is XXXX, and others times it is XXXX, causing me to assume that my payment really depends on whom they summon to their bidding. I have offered to pay each time, but they deny my money unless it up to par with their impossibly high demands. Sometimes these calls, are cruel and cold, as I am treated like a sap rather than an educated human being trying to avoid a lifetime of debt and credit destruction. They no longer offer me forbearance or deferment, nor anything type of assistance that can help me avoid default, despite their knowledge of my situation. When I asked for further information on my personal loan and what they have documented over it, they became distant and uninformative. I even struggled to get my username and password from them after I forgot it, and could not login. I have been placed in XXXX from this company that has veiled its destruction of me, and many others students, as helpful. They are cruel, cold, and calculated, and ignore my plights, despite having said that when I get a job, of which I am actively searching for, that I will pay more of what they desire, but can not do so right now and maintain livelihood. They have proudly announced, that despite all my efforts and attempts to comply, that I was not good enough, and they will charge me off. This information was told by my last Navient aficionado whom announced that the banks will buy my debt on a discount and really ruin me, as if I was to be grateful that a lesser evil is trying to spare me only according to its own whims from a greater evil.
The lender has not provided a response the our QWR request and initiated foreclosure within the early intervention period in violation of Regulation X , 12 C.F.R. 1024.41 ( f ).   Your client failed to provide  XXXX   XXXX  with a  Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b )
This is a written dispute regarding a previous credit card account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. 
XXXX XXXX & XXXX : 30 days past due in XXXX 2013. This account was a part of my college loan package. Quarterly payments were made. There was miscommunication as to a late fee accrued of {$6.00}. I had spoken to them at that time regarding this late fee and avoiding being reported to the credit bureau. Large amounts of loan payments had been consistently made, I was not aware of the {$6.00} fee that was apparently accrued. The billing services did supposedly remove this fee at time of the quarterly payment, which was paid in full represented by the statement at that time. They did not subsequently remove the late notice and the time continued to accumulate, even though the quarterly statement was paid. They of course retained the idea they were not responsible for this error and unwilling to entertain any modification. The account was paid off and closed very soon thereafter. This is a perfect example of why millions of college students progress into more debt, dealing with loan companies with irresponsible behavior and now involving wasted work time and money of submitting a complaint. I did speak to this company directly, as well as submitting a complaint through the credit score bureau, neither of which providing benefit.
This all started when I attempted to transfer {$300.00} from my company issued Bank of America XXXX XXXX XXXX to my XXXX checking to cover {$96.00} worth of overdrafts and bills on XX/XX/XXXX. I went ahead and attempted to pay said bills thinking that the problem was resolved and my account was no longer overdrawn ... until I went into my mobile banking and discovered that one of the bills had incurred another overdraft and the others remained unpaid two weeks later. On XX/XX/XXXX, I attempted to get an account number or some way to pay the bills and was told by the representative that there was no way to access that information. In response, I asked to speak to someone higher up the chain or for a corporate number to see if there was any way to address the issue and only got the mantra of " I can't access that information. '' or " Your bank didn't allow the transfer. '' I have suffered significant damage to my credit as a result of the failures of both Bank of America and XXXX to notify me of the failed transfer in a timely manner. To further the issue, XXXX has disabled my access to online banking on or before today, XX/XX/XXXX, which is a huge issue as I am expecting funds to be deposited that are sufficient to cover all the damages incurred as a result of this mess but do not want to take action until I know they are available. Both companies have been named as I do not know for sure which one I should hold responsible and have had trouble with both in the past. Please, help me sort this out quickly as it could cause me the loss of utilities and a place to live. Files can be provided as needed or should be within company databases.
On XX/XX/XXXX, I attempted to mobile deposit a XXXX XXXX XXXX payroll check in the amount of XXXX, into my Bank of America Checking account. I was assured when calling Bank of America that funds would be available the next day after XXXX. The next day the funds did not show. I called Bank of America again on XX/XX/XXXX and was told there was a 9 day hold on my deposited funds. I have no funds available and my entire pay check is being held. The second rep I spoke to on XX/XX/XXXX, advised me to commit fraud and attempt to cash the paper check even though I had mobile deposited it and was told they could not cancel a deposit. After speaking with a supervisor I was informed that they would NOT call and verify payroll funds with XXXX XXXX XXXX and I would just need to wait for the funds to release over a week later. My check was deposited XX/XX/XXXX and I'm told it won't be available until XX/XX/XXXX. The check plainly says Payroll. 
This is my rent, my electricity, water, and my cable all LATE by a week because they don't want to call. Then you advise I commit fraud? Really?! Something has to be done to release my funds. I will loose my home. 9 days is too long when the telephone number to verify is printed on my payroll check.
I have an unauthorized inquiry from Factual Data which occurred on XXXX XXXX,2017. This inquiry appears on all three credit bureaus. I did not authorize anyone to access my credit report on this date.
On XX/XX/XXXX, acting upon a publicly advertised offer on us.hsbc.com, I applied for a new HSBC Advance checking account. I was promised a {$350.00} welcome bonus ( terms attached ). By XX/XX/XXXX, I had satisfied all the terms of the offer. Shortly after that, I contacted HSBC via XXXX. The reply I received from them was addressed to a different person, was not written in proper English, and had little sense. Therefore, I had to make a call. The representative I spoke over the phone in XXXX  confirmed that all the terms are satisfied. However, she advised me that I had wait eight weeks for the bonus to post. The eight weeks ended on XX/XX/XXXX. Since then I have talked to at least twelve different representatives trying to determine the status of the bonus. Their explanations evolved over time. First, they stated that the new money was was supposed to be deposited to a checking account, while I deposited them into my savings account. That reason failed, since the terms clearly state : " deposit ... in combined checking and savings accounts ''. Second, they told me to wait until the end of XXXX. That reason failed as well. The terms clearly state : " You will automatically receive ... eight weeks after completing all qualifying activities. It's that simple. '' Third, they claimed that my savings account was supposed to be opened after my checking account. Not so. I applied for both accounts on XX/XX/XXXX. The application for the checking account was submitted at XXXX. The application for the savings account was submitted 9 minutes later, at XXXX. Regardless, the terms only exclude customers who had an account " from XX/XX/XXXX through XX/XX/XXXX ''. I had no HSBC accounts before XX/XX/XXXX. Lastly, they indicated that they had no record of any promotion on the account. That assertion is simply laughable. Both XXXX  and phone agents were able to verify the terms of the promotion and confirmed that they were satisfied. In addition, I have a copy of the webpage with the offer that I took when I applied as well as the terms of the promotional offer that I downloaded when I applied. I believe that these repeated attempts to come up with multiple frivolous reasons are racially motivated. A bank acting in good faith can not be that unprofessional. Instead, I suspect that they target customers with Hispanic sounding names assuming that they would rather give up than follow up on the promise. Based on my recent experience, I strongly believe that if a regulator requests a sample of all denials over the last three years, they will see that denials of bonuses or other benefits for customers with Hispanic last names are statistically more likely. This evidence would establish a prima facie case of disparate treatment and racially motivated discrimination.
I got a title loan with loanmax in XXXX Ohio on my Scion tC, they called and told my husbands boss that our car was going to be repoed when I was unable to make the payment, they did n't verify who they were speaking to before telling our personal information.
This letter is to all 3 credit bureaus I notice that there is a Bankruptcy on my credit report.

I'm requesting verification of the process that was used to verify the information with the credit bureaus. What methods they use to verify the information I'm requesting that the credit bureaus all 3 provide A. The name of the Court house B. The name of the person they verified the bankruptcy C. The Address and telephone number of the courts D. The docurmentation use to verify the bankruptcy
I am a victim of XXXX 's Breach and upon, reviewing my Credit report I noticed Unauthorized inquiries as well Unknown debt accounts that were removed in the past but have recently been reinserted. I have made several calls to XXXX to try an resolve the issue and I have also contacted them by mail but the Unauthorized inquires and Unknown accounts are still on my report. XXXX have not provided any contract or physically proof of the said debt or inquires belonging to me, nor did they notify me that these would be reinserted on my report. XXXX will not remove the Unauthorized inquries nor Unknown accounts on my report and this is violation of the FCRA.
Went through a loan modification in XXXX with Caliber Home Loans. My husband had a XXXX XXXX XXXX  and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate
On XXXX/XXXX/XXXX I attempted to use the Equifax Website to place a security freeze on my credit report. After presenting me with several fields for gathering my private information, such as SSN, address, DOB, etc., the Website returned an error message saying it was " currently unable to process my request. '' I also attempted to call the toll-free number for Equifax, and received a busy signal. 

Also on XXXX/XXXX/XXXX, I attempted to use the XXXX Website to place a security freeze on my credit report. After presenting me with several fields for gathering private information, the Website returned an error message stating it " could not process my online request. '' The error message directed me to call a toll-free number. When I called the number, I received a busy signal. 

Kudos to XXXX, it was the only credit reporting service able to process my security freeze request. 

After being a victim of the Equifax security breach, ( I confirmed by going to the Equifax breach Website and entering my SSN ), how am I to protect my private consumer information?
My name is XXXX XXXX and I attended XXXX XXXX for undergrad for which I needed the loan. I have been trying to get my loan back current however I cant make the payments the lender is requiring. I have contacted them several time to see what other options they could offer me but they have stated that there is nothing else they are able to do and that I have to make the monthly payments.
I submitted a complain about the company, Case number : XXXX. The company responded by copying and pasting text regarding their policies. My problem was not addressed. I still have the same issues as described in the original complaint. No one called me. I am still being charged {$5000.00} as a payment. My case was marked as being complete with no further actions planned by the company.
Collection consultants is reporting 3 medical collection accounts on my credit report. I contacted them because they have NEVER contacted me. I asked for evidence that the debt was mine. They refused to give it to me and insisted that I give them my social security number, where I work etc. I finally got out of them that these accounts are very old but they would not tell me how old. I believe that they are over 7 years old and should not even be on my credit per FCRA. I am 100 % positive that they are over the statute of limitations ( CA Civil Code 337 ) yet they threatened to sue me when I would not give them my work info. They are also re-aging the account. They show that the last activity on the account is older than the opening date of the account. Lastly they made absolutely no effort to validate the debt and still won't give me the information necessary to even determine if these are or ever were valid which is a violation of FDCPA.
In trying to correct my credit due to an injury at work and illness that caused problems, I found collections accounts and one from THE BUREAUS INC with a balance of {$280.00}. I contacted them to validate the account, as I was unaware of it, so I proceeded to validate my info to prove my identity only to be responded with : " Thank you for verifying your information. Your account is currently being serviced by XXXX XXXX XXXX. You can contact them regarding payments or any inquiries you may have ... '' I now proceeded to contact XXXX XXXX XXXX to validate my debt that I still haven't been shown valid?! They responded with email and mail validation, so I called to pay off debt immediately. I was emailed instantly and later mailed a letter that the payment was given to satisfy account. I also asked if it was going to be removed from credit reports and show corrected information and was assured it would be. 
I have disputed with the three credit agencies due to the fact my reports STILL showing collection balance and open/ongoing re-aged?! 
Dispute results were : The company that reported the information has certified to XXXX ( others as well ) that the information is accurate. This item was not changed as a result of our processing of your dispute. 
I must note that this is being reported by THE BUREAUS INC? 
I did my part in correcting hardships and paying off debt, they should honor their part! This is harming me with home leasing/purchase!
I started having communication with XXXX XXXX XXXX years ago ( ca n't recall exact date ) when they acquired my account. I tried to arrange payments, but they wanted {$2000.00} before they would speak to me. If I had that, I would not have been in this position in the first place. My original loan with XXXX XXXX XXXX was for {$25000.00}. They came in with a figure of {$29000.00}. After taking me to court, we had settled on a no-interest payment plan. We also had my father removed from the loan as his signature was not legit and was on this document. With hardships at work, I could not afford the payment. After a few months, I received a letter that my payments were to be made to the XXXX County Sheriffs Department. It was to be 10 % of my weekly gross pay. I was paying {$50.00} a week, but had to by Certified Check or Money Order. This was costing me about {$55.00} a month. After sometime, it be came difficult to pay on my low salary with my other bills. After a few more months, my salary was garnished to collect fees weekly, leaving my strapped once again. 

I had since left that career and sent payment when I could to the XXXX Department. Last payment was for {$50.00} plus a {$10.00} bank fee for a Certified Check and that was on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter stating " We are in the process of searching for assists to satisfy the judgement against you. If non-exempt assists are located, we may send the judgement to an enforcement officer for execution against said assists, unless we can make a satisfactory arrangement to resolve this matter ... '' To try and avoid this, I made an online payment to XXXX XXXX  XXXX for {$25.00} on XX/XX/XXXX. I also sent an email to try and make an arrangement to avoid any more harassment or enforcement attempts against me.
I am having a very difficult time making my private student loan payments through   XXXX   XXXX  . They offer little to no repayment plans that fit my budget. I am on the interest-only repayment plan, but when I checked my statement it said that I was on an income-sensitive plan ( which the company does not actually offer ). When I spoke to a representative about it today (  X/X/17    @  XXXX  ) he said that I could not submit pay stubs to determine my " income-based '' repayment plan because they do not offer one. I feel this is false advertising and gives false hope to a struggling borrower.
We have a mortgage with Benefical Finance XXXX We have been attempting to apply for a HARP mortgage because our interest rate with Benefical is 8.8 %. In completing the application for the HARP loan- XXXX discovered that Benefical has never recorded our mortgage payments with the Credit Bureau . In order to have the best credit rating possible, we were asked to have Benefical report our mortgage payments to the credit bureau. They refused, stating that is not their practice and that they would not do so. We need to have our mortgage reported in order to qualify for the HARP loan. I s there any way we can get Benefical to report our mortgage payments. Our mortgage payment is substantial and it would benefit us greatly to have it reported.
Case # XXXX. My name is XXXX XXXX and this complaint is regarding an outgoing wire that was I was told would occur on XX/XX/XXXX. OnXX/XX/XXXXI wired XXXX USD to Coinbase XXXX from my XXXX account which is under the name XXXX XXXX ( this is my maiden name ). The federal reference number for this wire was XXXX. On XX/XX/XXXX Coinbase sent me an email informing me that they did received the wire ; however, due to a name mismatch ( my maiden name vs my married name ) they would be reversing the wire. 

It is nearly 20 days later and my wire has not been reversed. I have followed-up with them on the status of this matter multiple times ( at least 10 ) to no avail. I have conducted multiple wires during the course of my lifetime and never has it taken longer than 3 days. Normally 1 to 2 days. 

Not only has it been nearly 20 days since I was told that I would receive my wire and have not received my wire, but they are grossly negligent in their communication. On 2 occasions I have been sent an email saying that they will have someone look into the problem with absolutely no follow-up or accountability. This concerns me because if you look on social media and the internet at large ( I am certain that you 've received other complaints ) Coinbase has a history of taking peoples money ( not giving them access via account freezes, or wire disputes ) for VERY long periods of time without any communication. This is completely unacceptable and I have never experienced such blatant disregard by a financial institution of their fiduciary responsibility. This is borderline grossly negligent. Please keep in mind that the while I have been waiting for 20 days, there are others that have had this problem for months.
Did not provide a response Delinquent Account Lender XXXX/XXXX/16 HSBC BANK XXXX XXXX XXXX XXXX, NY XXXX XXXX A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 ( or more ) days late Reporting Detail Account Number XXXX Amount Delinquent {$0.00} Account Balance {$0.00} Payment Status Unknown Contact Method Other Got it XXXX / XXXX is posting an account delinquent which is being reported as 30,60,90 days past due. This should n't even be on my history. Also I called them and they keep giving me the run around and can not find this account.
XXXXXXXX XXXX XXXX XXXX VA XXXXI never authorized ANYONE to access my credit on my behalf and I NEVER APPLIED FOR CREDIT WITH ANYONE, AND I DO N'T HAVE A MORTGAGE LOAN of ANY KIND. 

I wrote letters to all the credit the BUEARUS IF YOU CAN CALL THEM A BUEARU??? and all they do is ignore me and say VERIFIED.I ask them to show me the proof, a request for a loan and signature from anyone any agency and all I get is nothing no reply you are the only XXXX to reply with this lame XXXX letter to contact to contact XXXX XXXX and XXXX XXXX. I will send them a copy of this letter and your letter to remove the UNAUTHERIZED INQUIRES. 

XXXX XXXXSS # XXXXPhone XXXXReason for dispute is your gave access to my credit without my permission and I demand the unauthorized inquires be REMOVED!!!!!!! 
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