WillisBack/dataset-financial-user-claim huggingface dataset:
I have been unemployed for the past XXXX months. I just started work this week, and got funds going back into my account. I had {$30.00} set aside ( the only funds that I had ) for my bus ticket from XXXX to XXXX to visit my elderly parents for XXXX. Chase bank gave me without warning a {$12.00} fee because I have not been making the direct deposit amount. Which I understand, I did not ask to waive it just to postpone it, they refused because they have waived it in the past. {$12.00} to Customer Care Specialists XXXX XXXX of XXXX Ohio is nothing, but to me it is me not able to go home now for XXXX. She told me not to take it personally but to make other travel arrangements. I just have myself, and my edler parents can not put money in a chase account in XXXX because there is no Chase branches in XXXX or Maryland. She kept telling me over and over to make other XXXX Travel arrangements. I can not bike to XXXX from XXXX, I can not walk. So maybe she is suggesting that a Chase Client hitch hikes to XXXX? I asked very nicely if I could speak to someone higher on the food chain then her, she refused and to " comfort '' me it is nothing personal. Yes it is, for XXXX 2015 I am not spending it alone because Chase bank has trained their employees to not even show some compassion to any degree on a holiday. 

She was clearly low or middle management, I was polite the entire time on the phone she refused to let me even try speak to her supervisor. I did not raise my voice, said please/thank you. Again, I understand it is a fee that needs to be paid since I am not making the direct. But All I needed was XXXX more week to pay this {$12.00}. Again this was my bus money to see my family in XXXX for XXXX XXXX, an overnight actually because I am WORKING again late on Fridays. 

It is XXXX XXXX and I received no warning at all from Chase that I would be receive this {$12.00} fee. NO WARNING. If I knew this, I would have bought my bus ticket yesterday and would be able to go home for XXXX XXXX. 

XXXX XXXX, https : XXXX, located in the XXXX Ohio HQ . If are you get her on the phone. It is best to politly decline any help from her and call back to get another CSR on the phone. She is not willing to help. 
I now have alot of time this XXXX XXXX to research policy and let fellow consumers know that it is more important to Chase Bank that they have {$12.00} from you because you have been poor the last month then a customer going to their only family on XXXX or to hitch hike down XXXX for XXXX to XXXX hours because that is the " other arrangement ''. 

I am closing with that I did not want it refunded. Just waived for one week so that I could go home. XXXX XXXX of XXXX Ohio ( https : XXXX ) Happy XXXX XXXX!!!!!!!
XXXX, bought an XXXX from dealership, in XXXX, Ohio. Lender was XXXX. I also had to add insurances of various types, so I would be approved, they said. I paid on the vehicle for 3 years, and it was repossessed by a Lender called Santander, aka, SCUSA, aka US Santander. It was sold for XXXX, and they told me i needed to pay off the note which they claimed was XXXX. Not only did 36+ months of XXXX were made, after reposession caused me to lose my job, and ended on streets. I know there was a class action suit against Santander this year, as I read today, XXXX XXXX. However, if I knew about lawsuit, I would of gotten involved. I would of done more than report to credit bureaus about their unfair practices. They ruined my credit, my life, my health.
I have attempted to work with Bayview for mortgage assistance but feel I can never get anywhere. I have never been assigned a point of contact, I have not been provided with a fair and proper review and am being turned down for reasons that do not make any sense. I am not being provided options to save my home, in return I am being forced to this foreclosure and losing my home. Additionally, the main issue is that the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered the Deed of Trust shall be void ab initio. My right has the borrower have been severally violated and at this point all Bayview wants to do is leave me homeless. I am always having to contact them and never vice versa, this whole process is very draining and mentally exhausting.
The mortgage company changed the loan terms to a more expensive loan well after it was aware of the change in circumstance that they allege necessitated the change. It seems they implemented a fraudulent bait-and-switch. 
After shopping around for loans, we went with this particular company because of they offered loan with a lower interest rate and a substantial lender credit. Apparently this loan was based on the property we were purchasing being a town home - as opposed to a condo. When we initially spoke with the loan officer, we noted that we did not know if the property was a town home or condo, and that we did n't even know the legal difference. The loan officer went with a town home when generating the loan estimate, without letting us know that the loan would be significantly worse if the property is a condo. It is noteworthy that the loan officer was viewing the property listing and the listing indicated the home is a condo. Thus, the loan office should have known the correct type of property at this time. 
Regardless, well into escrow, almost approaching the originally promised close date, the loan company informed us and sent us a revised loan estimate specifying a loan that eliminated the lender credit, now required us to pay points, and required a much larger down payment. ( Interestingly, the revised closing estimate did not compare the revised loan with the original loan. ) The loan company said that this change was due to finding out from the appraisal report that the property is actually a condo. However, the appraisal report was sent to and reviewed by the loan company 10 days before they sent us the revised loan estimate. This clearly violates the Consumer Protection Rules that any revised loan estimate having such a large change be provided to the buyer within three days of the " changed circumstance '' that triggered the change. 
We attempted many times to resolve this issue with the loan company, but they would never work with us and instead tried blaming us for the error, claiming we told them the property was a town home, which we did not. 
This process seemed to us to be a fraudulent bait-and-switch, where the loan company promised us favorable terms to effectively bait us in, and then switch to a less favorable loan when we were well through the process, knowing that we would have a very difficult time switching to a different loan at that time.
We received a letter from Select Portfolio Servicing , Inc. dated XXXX XXXX, 2015 which is an invitation to a Free Homeownership Preservation Event at XXXX in XXXX, NY. We will not be attending the event. We are not a customer of Select Portfolio Servicing and deny any contractual or other relationship with your organization. 

As SPS knows or should know, we have written previously informing SPS that there is no delinquency. We have disputed the debt -- as well as the authority of SPS to act in any capacity in regard to the alleged account number they reference. 

We have disputed this debt ; therefore, until affirmatively validated, SPS knows or should know their information concerning this alleged debt is inaccurate. Thus, since they have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, they must immediately inform them of our dispute with this debt. We have received a copy of such report from Experian where SPS still lists the debt as a mortgage debt. Reporting information that SPS knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. 
SPS continues to persist in pursuing collection efforts without validating this debt, we are herewith informing SPS of another complaint that will be filed with the Consumer Financial Protection Bureau based on their failure to comply with the FDCPA, Section 809. 

SPS has admitted that it is not the servicer of this account or any account in connection with us ; that it is only attempting to collect an alleged debt based on " servicing rights '' ; that SPS has made contractual arrangements with other parties for their own profit ; that SPS has harassed us and continues to harass us ; that SPS has not proved and is unable to prove that we owe any debt.
I have a home mortgage loan with Wells Fargo. In 2014 the loan was modified and I had to go through a trial modification. I paid all the payments in the trial period on time. The payments were no late as it shows on the report. If they were late, my loan would not have been permanently modified. However the credit bureau reports show the payments during that trial period were late and it's hurt my credit rating. I've sent letters to Wells Fargo and to the three credit bureaus to correct this and nothing has changed. I should have good credit but it's not showing up since Wells Fargo has not changed status from late to paid on time.
I have to no avail brought this issue regarding a 30 day late payment Citi reported on my credit report for XXXX 2015 for my CitiBank Sears card. 


There was an incompetent bookkeeping service paying my bills at the time and feeding me incorrect information regarding my finances and expenses paid. They falsely showed the Citi card account balance of {$150.00} odd being paid in full in XXXX 2015. I only found out about this issue in XX/XX/XXXX when I returned back home from a business trip, and found the 30-day late payment on my credit report. At that time I reached out to my bookkeeping service and told them about the issue, they called Citi on my behalf to make a payment by phone, but apparently the bank account number got transposed and that payment would bounce due to this. 

On speaking to Citi bank they asked that I forward them the documentation from the book keeping company to validate what had happened and they 'd then remove the late payment from my credit repor. I forwarded not only the letter from the book keeping company but also sent Citi my XXXX XXXX account statements which showed balances between {$130000.00} and {$88000.00} at the time the payment was missed and when the payment made bounced. However in spite of this Citi simple responded back by stating this was not their problem and they wo n't be removing the late payment.
On or around XX/XX/2017 I disputed account with XXXX # XXXX. They sent a letter denying any inaccuracy. They sent documents but didn't have original documents nor signature verifying this account to be mine.
Hi, There was a fraudulent transaction on my Bank of America travel rewards credit  card for {$180.00} by a merchant with name of " XXXX XXXX XXXX '' on XX/XX/XXXX. I was in XXXX  at that time, but i went nowhere near the XXXX XXXXXXXX XXXX or stayed there. So this was obviously a fraudulent transaction. 
Upon noticing the charge, I contacted XXXX  XXXX XXXX and asked about this charge. I got written confirmation from the hotel that they never made this charge and don't recognize it. They also confirmed that they never have a reservation under my name. 
Since this was obviously a fraud case, i filed chargeback with Bank Of America. After investigating for a month Bank of America ruled against me quoting that " either signature or pin was used in the charge, so it is not fraud ''. There is no pin on the credit card and I am sure I never signed anything. Bank of America did not even contact me as part of the investigation. 
Upon receiving this decision, i contacted Bank of America and reopened the dispute. Again they started investigation, but after a week of not even a single contact with me, they again ruled against me saying that they stay with their original decision. 

I felt very cheated. If Bank of America is investigating a fraud, why is that they are not even contacting the customer to see what evidence I have. Plus saying that either a pin or signature was used, which could easily be investigated and found to be false, is clearly a measure taken by the bank to descredit the customer and save themselves the hazzle of recovering this money or writing it off. 

Big banks like this should not be allowed treat customers like dogs. They should be held accountable to their policies of protecting their customer from fraud.
My wife and I applied to Equifax for our free annual credit report, the last XXXX received was on XXXX XXXX, 2014. In both cases, we were told ( online ) that we could not receive the report online but would have to submit voluminous information by mail to receive the reports. This has happened many time in prior years, only from Equifax , never from XXXX. I have not tried to contact Equifax by phone because, from prior experience, it 's is very difficult to get anyone at their organization to expedite a correction to their policies.
I recently became XXXX and got behind on my mortgage payments, XX/XX/XXXX I had a face to face meeting with the president of habitat in my home in which he sent me an email on XXXX XXXX to tell me what amount to pay for the mortgage since they had XXXX different amounts, then when I got some money in XXXX XXXX I sent in 8 payments in the amount of {$380.00} to catch up and become current on my payments .The XXXX XXXX XXXX XXXX XXXX after 10 years took the money, dispersed it the way they wanted to and claimed I still owed back mortgage payments and is now threatening foreclosure on my home, I was informed of this through an email on XX/XX/XXXX, but was n't aware of any letter from the event! I was n't notified until I got a hold of the attorney on XX/XX/XXXX and then received certified copies on XX/XX/XXXX because the attorney sent it to an old p o box that he knew I no longer had as of 8 years ago! They are going to leave my XXXX year old daughter and her XXXX mother homeless, we have no place to go! They did give me a chance to sell it, but I was told I would get the equity out of it and they would keep the remaining amount, including any profit from the sale, now I did n't think that a non-profit organization could make and keep a profit off of a foreclosure sale of a XXXX XXXX home after 10 years? Maybe I 'm wrong, but it 's not right! Please help?? They have n't even given me a loan modification or forebearance? XXXX XXXX XXXX is suppose to stand for helping family 's in need not putting them on the street?
This should be described as " can not pay lender back online within 3 days ''. Speedy cash has a policy where if you pay your loan back within 3 days you will not be charged any CAB fees. This is a great policy however they DISABLE the option to pay online during this time. So you have to go into a store with CASH to pay them back if you want to avoid CAB fees and interest. 

I find this practice to be extremely shady. Why not allow me to make an online payment after I have an active loan? Why am I not able to make an interest free payment online until after the interest and CAB fee kicks in? 

" You have the right to make payments in any amount in advance at any time. " In the screenshot I have attached you will notice there is NO way to make an online payment. If log in after the CAB fees kick in then the option to pay online show up.
I have a charge off with XXXX XXXX for my home equity loan. The account is charged off and closed, it was sold to Loan Care in XX/XX/XXXX, you can not report a consumer late when an account is charged off and closed. The last statement I received from XXXX XXXX aka XXXX XXXX XXXX now XXXX and now its subsidiary Loan Care LLC was XX/XX/XXXX. 

Presently, XXXX can not produce a copy of the assignment of Note from XXXX to Loan Care, even if XXXX is a parent company all their assets and liabilities are separated, that said, an Assignment of Note must be executed to validate the debt. 

It has been well over three months that I have tried to negotiate the bad debt with Loan Care, I do not get any return calls from the new representative, XXXX XXXX or status from Loan Care. I ask to settle this account for {$25000.00}, because it is close to reaching California 's Statutes and Limitations to collect the debt.
i submitted a dispute with experian on 8 items according to fair credit reporting act 609 ( A ) ( 1 ) ( A ) a credit bureau supposed to have a copy of my signature on a contract on file for the accounts they have listed on my credit report and readily available for the consumer if properly requested as i did .but experian refused to provide me with it  on 5 items and they said they will not reinvestigate the other 3 because they have already investigated but they didnt send me a copy of a contract with my signature on it like i requested according to fair credit reporting 609 ( A ) ( 1 ) ( a )  if the consumer ask for for a copy of my signature on a contract stating that i am indeed the owner of the account it shall be provided but they refused to send it to me and refused to reinvestigate or remove the unverified items according to fcra 611 all items that are not verified must be delete and these items was verified or deleted
Beginning XX/XX/XXXX and into XX/XX/XXXX XXXX began billing me without notifying me or sending me any bills. They did not call me, they did not email me, they did not send physical mail. I found out about the billing due to a 200+ drop in my credit score.  I contacted XXXX through a conference call with XXXX XXXX XXXX. When I told the XXXX Representative what had happened he was unable to provide me with any other information other than " we contacted you through your inbox ''. Upon informing him that I have not received any emails from XXXX he repeated the same statement over and over until he mentioned they were notifying me through their own messaging account system on the XXXX website. I did not have an account active on the XXXX website at the time of the billing period, therefore I never received any notifications. If there was an account under my name active on XXXX 's server it was created without my authorization or my knowing. I rated XXXX on the XXXX website and they sent an unsolicited letter to my place of residence stating they were in the right and could not ethically reverse the negative reporting. I contacted XXXX on XX/XX/XXXX requesting an investigation, to which, they never replied. According to the Fair Credit Reporting Act XXXX can submit a revision to the Credit Bureau removing the negative reports from my credit report. I also know, under the FCRA, I can file for an investigation in dispute of XXXX 's error directly with the Credit Bureau with or without legal representation. The error being in violation of the Fair Credit Billing Act, XXXX did not properly contact me regarding my billing and therefore all submitted overdue debts were submitted in error. According to the FCRA XXXX is also obligated to resolve this matter and report back to me within 30 days. All of which XXXX has failed to do. Upon filling this complaint I tried to gather my billing statements and other information on my current XXXX web account, but all of the billing I did not know about have been removed by XXXX, but the delinquent credit report they submitted has not been removed from my credit report. They are clearly aware of the issue -or- have attempted to hide the problem preventing any possible reporting to the CFPB.
My name is XXXX XXXX, I have an incorrect address reporting on my credit report XXXX XXXX XXXX XXXX, PA XXXX, that may have been due to fraud. Experian, XXXX  and XXXX  refused to remove it. 

Also, I have inaccurate account reporting 's on my report as well listed below : XXXX  XXXX XXXX XXXX Account Number XXXX this is an incomplete Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. 
This Status was Updated XX/XX/XXXX - This re-Aged my account by reporting the date of last activity instead of the first delinquency which is a direct violation of FCRA Section 605 ( c ).  Furnisher Rule Part 660 Experian inaccurately changed the date of first delinquency on this account. 

Inaccurate and undated late pays 130 late XX/XX/XXXX the 30 day late XX/XX/XXXX Inaccurate reporting per Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that these accounts showing a 30-day late payments be updated and/or corrected to pay as agreed on time. 

XXXX XXXX Account Number XXXX Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Furnisher Rule Part 660 Experian inaccurately changed the date of first delinquency on this account. Invalid information reporting by furnisher. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 2 ) and the FCRA 623 ( a ) ( 7 ) (  G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 ) XXXX  XXXX Account Number XXXX Inaccurate late payment showing XX/XX/XXXX Inaccurate and undated late pay reporting not reporting 100 % accurate information according to FCRA 609 a 1. update to paid on time as agreed.
I completed a cosigner release form, this was the second time I completed this form in two-years. I supplied Navient with all the required information needed for the cosigner to be released. In turn, they denied my release based on my sole income, stating that I do not make enough annually. However, I included my spouse 's information ; passport and pay stub, as our total household yearly sum, which is more than enough to pay the loan monthly as I have been for the 12- consecutive months that they requested on the cosigner release form. I work part-time and I 'm a mother So I 'm not sure why Navient will not consider my spouse 's income as additional support for these payments. My time, money and effort have went into this without satisfaction and I did not end up with the results that I expected. All I want is for my cosigner to be released as I believed he would be if I completed and sent Navient all the valid and requested information. Please help!!
I refinance my mortgage on XXXX XXXX, 2012 with Quicken Loans and I feel was excessively over charged to refinance my mortgage. My mortgage was with XXXX, XXXX but they do not refinance so they referred me to Quicken Loans to refinance my loan. My loan balance with XXXX XXXX was {$77000.00}, the total fees, cost, and charges by Quicken Loans were {$8300.00} which my new loan balance was {$85.00}, XXXX. I did voice my opposition to the {$8300.00} charges but the loan officer had the attitude and position of take it or leave it. About two months after my closing, Quicken Loans did refund me {$1200.00} admitting their error in over charging fess and cost that should not have been rolled into my mortgage. Quicken Loans since sold my loan back to XXXX XXXX.
I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX XXXX  account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency