WillisBack/dataset-financial-user-claim huggingface dataset:
I called Chase to refinance our mortgage since they currently held our existing mortgage. I received a rate of 3.875 % with no points. We started to receive paperwork, the initial disclosure documents the following week. The documents had 0.25 % discount points. I spoke with the loan officer who stated that the documents had to be signed to move forward as well as the discount points to be removed. As then process proceeded, I was told that the points were removed and showed XXXX in the system. The week before closing, we were provided disclosure documents again with the discount points still listed. It was n't until the night before closing that the banker called back ( not loan officer ) because I wanted to postpone the closing due to this discrepancy. At this point we were told that the points had to be added because our appraisal came back lower than expected. We were informed that we could dispute the appraisal if we felt it was necessary but we did n't because we were never told that it could affect our rate or mortgage. Even though the appraisal was lower than expected, the mortgage was only XXXX % of the value of the house. Plus we both had credit ratings above XXXX. Our appraisal should not have affected the rate. We were never given any documentation stating the discount points were removed or increased for any reason.
This company I mail my payment to ansd they take almost 2 weeks to actually cash my payments. Constantly charging late fees. My bank XXXX XXXX XXXX notified me of this process. When it is late I pay a late fee with it however it does not take 2 weeks to post a payment.
On XXXX XXXX, 2017 I became aware that Equifax was hacked, and sensitive consumer account information was stolen. Upon learning this I went to www.equifaxsecurity2017.com to see if my account was impacted, and discovered that it was. I immediately called XXXX to place an initial 90-day fraud alert on my account. I then requested my annual free credit report to determine if there was any information that I should dispute. There was not, and I also took the opportunity to file the same fraud alert on that website in addition to filing the alert with XXXX.
TransUnion is making its customers listen to XXXX minutes of advertisements for paid credit-monitoring services before TransUnion will place a fraud alert on the customer 's file. The way TransUnion describes these paid services is unfair and abusive because consumers have to listen to the advertisement and decline it XXXX before TransUnion will complete the request to place a fraud alert on file. The way the advertisement is presented and the timing of the presentation make it seem like a required part of the process of placing a fraud alert on file. 

Background is as follows. On XXXX/XXXX/15 I called TransUnion to place a fraud alert on my credit file. ( I had just learned my social security number had been stolen and someone was using it. ) I went through TransUnion 's prompts on initiating the fraud alert. 

Then, before TransUnion 's automated system said the fraud alert was placed, it played an advertisement for paid credit-monitoring services provided by TransUnion. This ad was about XXXX seconds long and followed by a choice to press " XXXX '' and order the service or press " XXXX '' and decline the service. I pressed " XXXX. '' TransUnion immediately played a XXXX advertisement for the same service, this time XXXX seconds in length and using much more alarming language, again encouraging me to pay for the service. Again I was presented with the choice to press " XXXX '' to order the service or " XXXX '' decline it. I pressed " XXXX. " Only after I declined the service XXXX did TransUnion 's automated system state that my request to place a fraud alert on file was successful. 

TransUnion should not be able to require victims of identity theft to listen to TransUnion 's paid advertisements as the price for placing a fraud alert on their own files. But that is exactly what TransUnion is doing right now.
To the lender : Hello all, Im writing this letter hoping to finally get a resolution to an ongoing issue that Im having with Consumer Portfolio Services. 

Years ago, my vehicle was repossessed at the end of my loan ( I was behind in payments by 2 months when my loan matured ). My car was repossessed in XX/XX/XXXX. I recovered the vehicle in XX/XX/XXXX. 

Again, I recovered my vehicle and paid the balance of the loan in full. 

Since then, I have tried very hard to improve my credit and financial status. 

I am now trying to qualify to buy a home. 

***CPS has reported to the credit bureaus, continuously, that not only AM I CURRENTLY 90 days late, but that I have an active repossession. CURRENTLY! *** I own my vehicle in full. You have your money. 

This reporting is hurting my ability to qualify for a home and prosper in other areas of my life. 

I have reached out to your accounting department to beg them to remove the item and that route has been unsuccessful. Ive been trying for months with no help. 

In addition, a recent report was entered from CPS that I was late again! How can this happen? ( screenshot below ) I understand that your company can leave those items on my credit for 7 years and that its up to your discretion as to whether you want to continue reporting this or not. 

Im at my wits end trying to figure out how to fix this and I am begging you for help here.

Its been OVER four years since Ive paid the loan in full. 

Our business is done and was a win/win for both of us as far as your company receiving interests and fees, and me owning my vehicle clean and clear. 

Ive paid my dues. 

Please! Be kind and help me by removing the item from all three credit agencies completely. 

Thanks much for your consideration.
It has been brought to my attention that an old account ( XXXX XXXX XXXX ) has been removed and put back on my credit report numerous of times.
There was a fraudulent late fee added to monthly payment. Statement history does not match the information that servicers are giving me. According to information provided by Wells Fargo, the late fee is n't a late fee, but rather accrued interest placed in the late fee section because " there was nowhere else to put it '', despite there being a section for outstanding interest. I was told this was the result of an adjustment and the late fee has nothing to do with XX/XX/XXXX, but was not reflected on my bill due XXXX/XXXX/2015 because the adjustment was done after that date. As I have issued complaints with the CFPB several times about similar issues and nothing has changed with the practices of this company, I no longer wish to deal with this company any longer.
I 've disputed this information numerous times beginning in   XXXX  . Experian informed me that unless I provide them with additional relevant information they wo n't re investigate my dispute. I asked them for the method of verification but NEVER got it. All I got was a letter stating they wo n't reinvestigate unless I gave them more relevant information which is a violation of the law.
In XX/XX/XXXX, officers of my XXXX XXXX came in to a Chase branch to swap out signers on a business checking account. We sat down with a business specialist to do so. After we had signed the signature card, the Treasurer began inquiring about obtaining statements, as we needed to conduct some incomplete audits from prior years. He also inquired about setting up online access. 

The banker assured him that he could obtain five years worth of statements. At no point did he specify how this was possible, what alternatives there may be, or what charges may occur. There were FOUR of us present and none of us heard anything pertaining to the specifics while this discussion was going on. 

When we received the XX/XX/XXXX statement, we discovered that the banker had submitted an unauthorized request for five years of printed statements to be mailed to the Treasurer without disclosing any of the fees. {$6.00} were charged per statement copy, for a total of {$360.00} charged against our account without our authorization. Had he disclosed that he was doing so and that there would be fees, we never would have agreed to him doing so. 

Further complicating this is that those same statements were available for free in PDF format through the online access that was set up in the same conversation. At no point were the alternatives discussed with the Treasurer or this option referenced. In fact, NO options were referenced nor fees discussed. 

We have made SIX different complaints with Chase since this occurred. Each time we have addressed the issue of unauthorized charges to our account, the failure to disclose fees before charging them, and our request for a refund. Our first complaints were in XX/XX/XXXX and  XX/XX/XXXX ( each time after receiving the prior month 's statement ), at which point we were told that they would look into the issue and get back to us. No responses ever came. 

After no fee refunds occurred, we complained again in XX/XX/XXXX and XX/XX/XXXX, at which point we were informed that they had no record of our complaints from the prior months. Each time they said that someone else had to handle the issue and that someone would be in touch, but after four such promises no complaints have been documented and no call backs or follow ups have occurred. 

Due to a busy XXXX season, we did not follow up in XX/XX/XXXX or XX/XX/XXXX, but followed up again in XX/XX/XXXX and XX/XX/XXXX. It's become apparent that they are not documenting our complaints, which is why they are not following up. One of my in-person branch visits ( in XX/XX/XXXX ) had me speaking specifically to the JP Morgan Chase executive team over the phone. 

The lady I spoke with explicitly told me that the matter would be resolved by Wednesday, XX/XX/XXXX. For the sixth time, no one has responded or followed up, and nine months later we still have not gotten the fees refunded. During this conversation in XX/XX/XXXX, I notified Chase that if we did not have the fees back in our account by XX/XX/XXXX, I would be contacting the CFPB and they claimed that they would be making a note of that.
On XX/XX/XXXX I called Navient to reapply for my Rate Reduction program. I began the program in XXXX. I would call yearly to give my financial statement and they would admit me back in. XX/XX/XXXX they told me my program was going from a 1 year to a Six month plan, so I needed to call every 6 months with my new financials. I called in XX/XX/XXXX with my financials and they readmitted me in. Come XX/XX/XXXX, I did not receive the normal email reminding me to re apply for my program. It has slipped my mind without the normal reminder and they ended up charging me {$1300.00} for the month of XX/XX/XXXX. I called and they gladly refunded my money because they made the mistake of not reminding me. They asked me to call back in XXXX before my next payment to reapply for the program. I called XX/XX/XXXX at XXXX and gave all my financials that I had given previously. Nothing had changed from XX/XX/XXXX. They woman on the phone told me that everything is exactly the same as it was in XXXX but unfortunately they can not accept my enrollment at this time. I asked why? if everything is the same. The response I received was : " We just plug the numbers into the system and due to the system update, they did not accept you, unfortunately this is something we can not override. '' I asked to speak to a manager and she told me that even if I did it would mean nothing, its what the computer generates. My monthly payment had jumped {$600.00}. I told her I can not afford that, and she said to try again next month and maybe the computer will accept me then, and to keep trying every month. If they have a program that requires your financials to meet a certain percentage then why is a computer making the decision that is exactly the same as it was 6 months ago when I was approved?
RADIUS GLOBAL SOLUTIONS Original Creditor Name XXXX XXXX did not attempt or care to resolve the dispute I originated concerning there lack of bandwidth or consistent lack of service ... .even after signing up for higher rate of service of witch I was paying and not receiving.. They oversold bandwidth for our area especially in the evening this is well known. This was critical for me since I was attending online courses for my XXXX XXXX paid for through my GI bill causing anxiety and undue stress as I was 100 % XXXX veteran not easily able to leave my house to seek an internet connection elsewhere. I canceled the service on my own and my brother was able to set me up with a more reliable internet service. I did not receive the internet I was paying for therefore a breach of contract on XXXX!
I paid A-1 credit collections in full amount 2000 something and they promised to take off the credit report and they never did so my credit keeps on Lowering. I paid it last year.
IQ Data International, XXXX WA, contacted me on XX/XX/XXXX claiming to be an employer trying to follow up on a job application. 

On XX/XX/XXXX they contacted my mother, XXXX, claiming to be a lawyer trying to resolve related to a criminal complaint filed against me. 

on XX/XX/XXXX, IQ data contacted a friend of mine named XXXX, claiming to be an employer attempting to follow up on a position that I have allegedly applied for. 

on XX/XX/XXXX I made contact with this agency, speaking with XXXX XXXX, who processed a payment for {$500.00}. After this payment was made, my credit card information was unlawfully stored and used again to process another payment in the amount of {$1200.00} dated on XX/XX/XXXX that was not authorized. I received a letter on XX/XX/XXXX stating that per a discussion on XX/XX/XXXX ( that never took place ) a post-dated payment was made. This agreement was not discussed nor approved. 

This amount was disputed with my bank on XX/XX/XXXX, a police report was filed on XX/XX/XXXX to report fraud, and a formal complaint has been filed with Washington AGO. 

No written correspondence of debt prior to harassing phone calls. 

Use of automatic phone dialing systems. multiple calls per day, will call from multiple different numbers per day.
XXXX contacted me via mail and phone. They say I have a pst due debt from XXXX XXXX XXXX XXXX ( never received a bill from this particular company -- XXXX it and it does not exist -- first red flag ). The bill was allegedly from my hospital visit back in XX/XX/2017,  which all but one bill from that hospital visit has been paid in full. 
I have researched this business and it seems to be a scam. They called me as well, the lady was extremely aggressive and wanted me to give identifying information about myself so that they could open my account. I told her I would not be giving identifying information about myself because I believed this was a scam. The woman then yelled at me and then hung up.
The law office of Linebarger Goggan Blair and XXXX call my residence looking for XXXX XXXX XXXX. I am not that person. 

I received a letter on XXXX from them addresses to my son. I returned it with the following print " Return to sender ; not at this address. 

On XXXX, they called and left a message on my residence phone. I returned the call and spoke to " XXXX ''. I asked her to remove my name from their call list. She agreed. 

On XXXX, I received an automated call from the law firm. I returned the call and spoke to " XXXX ''. I asked her to discontinue their collection efforts to my telephone number.
this is the third party is call me threatening me if i do n't pay will take me to jail./or they reported to credit bureau.
We Started this loan with XXXX XXXX, which was bought out by Springleaf, Then bought by One Main Finance. We were set up on automatic bank draft on a monthly basis withh all three companies. Due to the exorbitant interest rate, we asked that One Main start drafting {$600.00} per month, rather than the minimum payment. This was done without a problem until I received a letter stating I was past due and owed late charges. In XXXX, we received a letter stating that they would continue drafting the {$600.00} per month, but now they state we are late, and owe fees.
hi I made an online transaction with Western Union on XXXX XXXX. For an inexplicable reason, the transaction did not go through. After several follow ups, on XXXX XXXX they advised a refund has been processed. Till date i have yet to receive my money back. Please assist me with this, I have called their customer service and escalation teams every three to four days without a result. It is six weeks now since this transaction was rejected and i have yet to receive my refund.
XXXX reported me late when I was n't. I have the proof. Credit bureau wo n't open up a dispute so by law remove the account or update it. Also block it from coming back like you are suppose to by law.
My husband and I are about to lose our home do to foreclosure. Our lender is Mr. Cooper ( aka Nationstar Mortgage ). We have fallen behind because my husbands identity was stolen and them I was scammed by people that said they were working out of XXXX, XXXX. We lost about {$10000.00}. We need help getting caught up with our mortgage company. Mr. Cooper referred us to the Hardest Hit  program in XXXX 2017. Since then we have been working with them just to have them call us today saying that we do not fit into any of their programs. I understand that this during time we celebrated XXXX, XXXX and XXXX XXXX but that should not have mattered putting us farther and farther behind on our mortgage. 

I have jumped through hoops getting them information with less than 24 hours notice. I cooperated with them completely just to be told that they can not help us. Hardest Hit should be closed down so that all of the employees can feel how I am feeling now. I suffer with chronic XXXX and all of this has put me into a deeper hole not wanting to even leave my bedroom or my bed. 

During this time I only received two phone calls from them all other communication was via email. Not very friendly in my book and a total lack of customer service. What if I did n't have email skills what would have happened with the Hardest Hit people? 

After hearing the news today I totally collapsed into a place that no one should ever be in. I have now regrouped and am I am trying to fight back against such a horrible government agency. Hardest Hit has been in trouble before sqandering money that should have been going to the tax payers. The only information that the Hardest Hit people suggested that I do is go back to my lender and see if they are willing to help us. 

Mr. Cooper is sending me papers so that I can apply for a modification program that is going to take at least another two months that will just put us farther behind on our mortgage. Mr. Cooper said that the money owed will just be added to the end of our loan and let us go back to our original monthly payment. Until all of the scamming, identity thefts and bank problems my husband and I always paid more on our mortgage reducing the amount several thousands of dollars. 

MY husband is a XXXX XXXX XXXX veteran and we never knew that he was entitled to XXXX because after returning from XXXX XXXX he was diagnosed with XXXX and because I had a good job his medical benefits were always paid by my employer. The US government saved a bundle of money because this was over a forty-five year timeframe.
I am filing this request because   XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They have gone past  the thirty day m arks to verify these accounts. under section  611   (  5 ) ( a ) they are to promptly remove items that can not be verified. that I have disputed.         account name tax lien on  XXXX  in  XXXX  county account number  XXXX  date filed  XXXX  account name collection with  XXXX  acct number  XXXX  account name.   XXXX   XXXX   account number  XXXX   XXXX  account number  XXXX  account name  XXXX    XXXX   XXXX   account name   XXXX   XXXX   account number  XXXX  all of these items are on my  XXXX  report and need to be removed immediatly
I contacted my mortgage company on XX/XX/XXXX regarding what options I had to apply for Home Assistance programs to assist me in resolving my back payments. The back payments were a result of being XXXX. I expressed all of this to the agent I spoke with and she offered to send me a package that needed to be returned by XX/XX/XXXX. On XX/XX/XXXX. I received a letter from PHH Mortgage and my " case manager '', XXXX XXXX, still expressing an interest in helping me. On the same day, I received a letter from a foreclosure Attorney stating my home if being put up for a Trustee Sale on XX/XX/XXXX. I called PHH today, XX/XX/XXXX, and was told that I can not stop the foreclosure unless I pay the past amounts and that the package is no good. How can this be if the paperwork clearly states that I have until XX/XX/XXXX to turn it in??? This is another example of Mortgage companies lying to customers and to avoid helping them and ruining their lives
I paid the debt I owed to the collection agency on XX/XX/2016. I called to inform them that the debt had been paid through the actual place I had accrued the debt. The debt company then informed me that they were already taking me to court in an attempt to collect this debt that I have already paid off. They said that they would settle with me for {$400.00} to pay for the legal fees. I told them that I would not pay any legal fees because my debt with them has been paid off. 
I have not received any notice regarding them taking this debt to court other than them telling me over the phone after I had already paid the debt in full. 
I feel that this has been very wrongfully dealt with.