WillisBack/dataset-financial-user-claim huggingface dataset:
I had an error on my credit history for XXXX 2016, it showed a 30-day late payment for XXXX XXXX, which has subsequently been fixed by XXXX XXXX. This was an error that has been fixed with the updated information send to the XXXX credit bureaus by XXXX XXXX on XXXX XXXX, 2016. I was told it may take XXXX 45 days to show on my credit history. On XXXX XXXX, 2016, I checked my credit history and XXXX was the only one that made the change, while XXXX and Experian have not made the change yet. I contacted XXXX credit bureaus and I was told to send the letter I had from XXXX XXXX stating dated XXXX XXXX, 2016 that stated the following " ... we have submitted a credit correction request to reflect the above referenced mortgage account as current ; paid as agreed for XXXX 2016. '' I uploaded this letter to Experian indicating what had happened and to please correct the information for XXXX 2016 for this creditor, XXXX XXXX on XXXX XXXX, 2016. I called Experian who has not responded to my dispute yet and has not fixed the problem either and they too are claiming to wait another XXXX to 45 days ( although as of today it has been 48 days ). I do n't understand. I called the creditor, XXXX and they indicated that they have send the report on XXXX XXXX, 2016 and another on XXXX XXXX, 2016 and a follow up on XXXX XXXX. I have urged them to please fix this because is preventing me from buying a new house and since no bank will touch me because it shows a 30 day late notice with XXXX XXXX, I can not get a mortgage loan for 2 years. This is crazy since it was a mistake that has been rectified by the bank, XXXX XXXX, yet the XXXX remaining credit bureaus, XXXX and Experian refuses to make this correction within the quoted time of XXXX45 days. Why are they not held accountable for fixing this? I need to know what do I have to do to expedite this process. Please HELP!
I am an authorized account holder with XXXX of my Capital One Cards. I have requested on several ocassions that Capital One re-submit my account information to XXXX for some strange reason the account was removed from my credit file. So between Capital One and XXXX that has yet to be done and I am so tired of getting the run arounds about this. This mix up has killed my credit score and it has hendered my opportunity of obtaining a mortgage.
My complaint begins with closing date XXXX payment due date XXXX statement. XXXX via app alert AMEX requested I make a payment because my current charges were {$2700.00} and requested I make at least a payment of {$1100.00}. Which I made through the app thinking this payment was going to the pay in full charges that was {$2700.00}. So, I made a payment on XX/XX/XXXX {$400.00}, XX/XX/XXXX {$1000.00} and {$190.00} through the app plus {$200.00} credits, total of {$1800.00} payments and credits. Minimum payment due for XXXX was {$800.00}. Payments through the app you can not select which balance to pay, it was explained to me their technology applies any payment to pay in full first then pay over time. XX/XX/XXXX bill is satisfied and extras {$1000.00} should have went to {$2700.00}. However, I learn from the next statement ( closing date XXXX payment due date XXXX ), the XX/XX/XXXX payment never went to pay in full charges but went to the pay over time balance, so now my min payment is {$2800.00} upon research this is because charges from XXXX were held back from the closing date XXXX in addition to the {$1000.00} not going to the correct balance. I made additional payments on XX/XX/XXXX {$530.00}, XX/XX/XXXX {$500.00}, XXXX {$700.00} and dissolve my points to pay {$610.00} which also were submitted on the XX/XX/XXXX but are backdated on the current statement. On XXXX I call to address the discrepancy and was told I should the correction on the next billing statement XXXX payment due date XX/XX/XXXX. On XXXX, I receive a call from AMEX saying my bill is past due. After being transferred 3 times and no one knowing what I am talking about, I explain to XXXX my phone call from XXXX because he was completely difficult and refused to look through the records. He says he will resubmit the request and again I am told it should be fixed in 24-48 hours. I call back on XX/XX/XXXX, I am transferred to about 5 to 6 people in between time I am hung up on and now I was furious! Every  associate has lied about their organization misappropriating my payments and manipulating charges to miss the correct billing statement. This predatory lending to say the least and I can not believe after 2 years and thousands of dollars this is the service they render to me showing no accountability and pathological lying. This is the same wonton behavior that led up to the Real Estate Crisis of XXXX and they will not get away with this.
Contacted Equifax regarding unauthorized inquiries on credit report. Equifax stated I would have to contact company directly and let them know inquiries were fraudulent and request removal. Sent certified letter to XXXX XXXX and XXXX as directed by Equifax and no response from company. Contacted Equifax regarding no response from company and still refuse to remove.
I graduated college XX/XX/2010 and my loans were through XXXX, shortly after my loans transferred and serviced with Navient. At the time, with the struggling economy, I was n't able to pay on my student loans and when I contacted Navient they pushed for forebearance ( instead of cheaper payment options ). Flash forward XXXX years later and the loan I once owed XXXX on is now XXXX! ... and these are government loans " the better ones ''. My interest rate on these loans is 6.8 % ( subsidized and unsubsidized ) ... I 'd be lucky to get that return in a retirement fund ( which is also why I have n't been saving for retirement ).
I have tried multiple times to get this loan refinance to a lower rate to only be told that I could not do it even though I got my other loans refinanced. They have also miss XXXX payments that does not seem to be corrected. The current interest rate is 14.25 %. My current balance is {$17000.00} on a loan with the original amount of {$6600.00}. I have been paying on this loan since XXXX.
Ditech bought my home loan from XXXX. Ditech did not pay my insurance or taxes like they were supposed to. Ditech finally paid my taxes but they are trying to slip my late fees into an HOA payment. I do not have an HOA and what they are doing is fraud. I have never missed a payment nor have I been late. They refused to take any responsibility for the late tax payment or making my homeowners insurance get cancelled.
We want the CFPB to have Ocwen show how they could service a loan for a company that was out of business before we got the loan? 

We would also like the CFPB about Ocwen 's breach of contract. Ocwen started servicing our loan, XX/XX/2013. They applied the first payment on time but charged us a late fee. 

Also, we would like the CFPB why they breach our contract from XX/XX/2013 - XX/XX/2013 without paying our homeowner 's insurance? When we requested a rescission all of the TIL disclosures were incorrect and Ocwen had been in breach of our contract for failure to pay XXXX for 6 months. This violates RESPA and Georgia Residential Mortgage Act.

False disclosures are the same as non-disclosures.
I use my annual bonus from my employer as well as my tax returns to prepay a large portion of my student loans ' annual obligation. This allows me to continue to continue to prepay a smaller amount each month so I can stay ahead of the annual obligation. 
Navient 's ( my servicer ) interface, I believe, is intentionally designed to obscure the next date that a payment is actually due. For example, I used a large bonus to prepay {$30000.00} on my private loan, pushing my next due date out to some time in XXXX, but the payment due date still reads XXXX/XXXX/XXXX ( today! ). 
To figure out when my next payment is ACTUALLY due, I have to call Navient. I believe this is intentionally done to confuse customers and extract more payments, for fear of falling behind. 

- XXXX XXXX
I have been fighting ID THEFT for sometime now and have fraud accounts reporting. I have sent in ID THEFT AFFADVIT as well as FTC complaint. Experian is refusing to block and or remove the following accounts for some reason. 
XXXX XXXX XXXX Account XXXX XXXX Date Opened XX/XX/XXXX XXXX. XXXX Account # XXXX XXXX XXXX XX/XX/XXXX All supporting documents and proof these accounts are fraud have been sent and confirmed that they have been recived!!
I called customer service on XXXX/XXXX/15 to report an unauthorized transaction to my permanent XXXX visa XXXX prepaid visa card. The transaction was for XXXX from XXXX. I WAS TOLD THAT I WAS CURRENTLY UNABLE TO DISPUTE THE TRANSACTION. THAT I WOULD NEED TO CONTACT THEM IN A WEEK OR SO ONCE THE TRANSACTION HAD CLEARED MY ACCOUNT. THEY ALSO SUGGESTED THAT I BLOCK MY CARD. I STATED THAT I NEEDED TO GO TO THE ATM MACHINE AND REMOVE MY MONEY AND THAT I WOULD CALL BACK ONCE I HAD DONE SO TO BLOCK THE CARD. I ARRIVED AT THE ATM MACHINE TO REMOVE MY FUNDS AND MY CARD HAD BEEN BLOCKED. I PLACED A SECOND CALL AND WAS INFORMED SORRY YOU HAVE NO MONEY WE WILL MAIL YOU A NEW CARD. SO NOT ONLY AM I NOT ABLE TO DISPUTE A FRAUDLENT TRANSACTION BUT I HAVE NO MONEY. I WAS INFORMED BY THE ESCALATION DESK TO GO TO A LOCAL CHURCH FOR MONEY OR FOOD AND TO PUT GAS IN MY CAR OR TO BARROW FROM A TRUSTED FRIEND, OR GO TO A CHECK CASHING PLACE. SO HOW CAN THEY BLOCK MY CARD FOR FRAUD IF THEY WONT ALLOW ME TO DISPUTE THE TRANSACTION TILL THE FRAUDULANT PEOPLE ALREADY HAVE MY MONEY. THEN THE FRAUD PROCESS TAKES 14 BUSINESS DAYS AND NO GUARENTEE THAT THEY WILL RULE IN MY FAVOR OR GIVE MY MONEY BACK.
I sent a certified Debt Validation Letter to XXXX XXXX on XX/XX/XXXX. They received my certified letter XX/XX/XXXX. It has been over 45 days and I have not received a response from XXXX XXXX. I received a letter stating that I had a balance due on file of {$130.00} on XX/XX/XXXX. XX/XX/XXXX I received a call from XXXX XXXX stating that I owe a total of {$180.00}. On that same phone call with the rep, I made a payment of {$50.00}, leaving the total due {$130.00}. Being that I did not have the letter on hand, they never told me why there was a {$50.00} difference 9 months later when I made the payment. The payment processed on XX/XX/XXXX.  However, on my credit report, they are reporting twice for two different amounts. One for {$120.00} and one for {$550.00} for a total of {$680.00}. Where are they getting this amount from? I asked for validation on these amounts and have not received anything. Both of these are incorrect. I did not receive a letter from this company before it was even reported to the credit bureaus with these amounts.
XXXX AND XXXX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX XXXX XXXX ACCOUNT NO.XXXX   ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NO.XXXX. 

AND XXXX XXXX XXXX NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY
I was interested in re-financing my existing 5/1 ARM with Capital One, which is in its XXXX year. Their website ( capitalone360.com ) states 5/1 loans are available with no closing points. I called to start the re-finance application and was told that I would have to pay 1.25 % in points. This was not disclosed anywhere ontheir website. The loan I wanted for 0.00 % points was only available for a home purchase ( not re-finance ) with at least 40 % equity ( I have over 80 % equity ). Nothing on the website indicates these conditions except for the example of the monthly payment. This is basically a bait-and-switch tactic and misleading in order to get me to call for a loan and charging me for something else at a higher cost than advertised.
i recently check my credit report and saw my citi credit card ending in XXXX has been reporting past due look at the information ACCOUNT DETAILS I HAVE NOT BEEN RECEIVING MY STATEMENTS BY MAIL FOR MY CITI PRESTIGE AND CITI SIMPLICITY Account Name CITI Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 30 days two times Status Updated XX/XX/XXXX Balance {$6000.00} Balance Updated XX/XX/XXXX Credit Limit {$6500.00} Monthly Payment {$90.00} Past Due Amount {$180.00} Highest Balance {$6500.00} Terms Revolving Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Our Top Pick for you. 


The Platinum Card from XXXX XXXX Apply Now Learn More See More Credit Cards Advertiser Disclosure Is everything correct? 

Be sure to review your Credit Report for any unfamiliar information. If you find inaccurate information, you can either dispute the information online or via postal mail. 

View Our Disputes Guide CREDIT USAGE 93 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit. 
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX
Wells Fargo B ank refused to review my application for mortgage modification claiming that their internal process limited a review of a request for mortgage modification to date of  XXXX   XXXX ,    2017 d uring a foreclosure proceeding with the law day set by the court was in fact  XXXX   XXXX ,  2017.       Wells Fargo Ba nk imposed this limitation without notice to me and it was the second time that  Wells Fargo Bank misled me during the foreclosure action.
XXXX and I ( XXXX ) payed our monthly mortgage payments from XXXX, 2016 to the current date, XX/XX/2016. However, we made XXXX payments XX/XX/2016. We have not received any credit to our account or acknowledgement of the checks received XX/XX/XXXX. We would like our account to be credited in the amount of {$970.00} for the extra mortgage payment we made XX/XX/XXXX. Also, we were not able to review the response to our complaints online. Could Nationstar Mortgage and XXXX XXXX XXXX send their written responses to our complaints through the postal mail? XXXX and I do not have a computer at home at this present time. Also, it would just be easier and more helpful for us to read what our mortgage company has to say in regards to our complaints. 
Also, we would like the CFPB to review our case very seriously. We have been victims of fraudulent banking activities by both XXXX XXXX XXXX XXXX Nationstar Mortgage. XXXX and I mailed a letter yesterday requesting that the office of the Minnesota Attorney General-XXXX XXXX send to the CFPB a copy of all the correspondence we had with them as well as with XXXX XXXX XXXX and Nationstar Mortgage..
I requested a forbearance plan in XX/XX/XXXX due to hurricane Irma for a term of 3 months. I was told they would just add the 3 months to the end of my loan term. Then I found out on XX/XX/XXXX during the modification process they paid my property taxes in the amount of {$1200.00} and forced me to have a ecrow account if I modified my loan. I was told on that day that if I sent a faxed letter to them that they would cancel the modification of the loan and the escrow account. I also needed to pay back the 3 mortgage payments back which I did on XX/XX/XXXX in the amount of {$3200.00} I faxed the letter and documents to them on XX/XX/XXXX and repaid the taxes in the amount of {$1200.00} on XX/XX/XXXX. My account is still showing an escrow of {$410.00} per month on my statement that I just received dated XXXX, which I did not approve and requested cancellation of. I have sent another letter to customer service the end of XX/XX/XXXX but no response. I just want my mortgage payment back to XXXX monthly payment with no escrow account. I believe they never applied my payments for the taxes correctly either. I have called several times and can not get this resolved.
On XX/XX/2018 I submitted a challenge letter to Experian in regards to negative items being reported to my credit report. Per FCRA they are to investigate every letter sent to them. As of XX/XX/2018 they have failed to investigate these items and because it has been more than 30 days they are to delete them. On XX/XX/2018 I have sent another letter for those same items and they have not till this day done anything with that letter. I demand them to delete all negative items that are listed on my report for failing to investigate said items. 
Due to the obvious yet significantly INCONSISTENT and or INACCURATE and or incomplete reporting of the claimed derogatory event against me, I am notifying you of my enacting of consumer right to CHECK for : 1 ) physically verifiable document VALIDITY 2 ) physically verifiable evidence of COMPLIANCE OF REPORTING 4 ) testimony attesting to the factual FULLNESS of claim ( s ) truth, correctness, completeness, timeliness, ownership, responsibility, compliance to all applicable reporting regulations/laws/or standards AND the CERTIFIABILITY of the aforementioned FURTHER, Due to the obvious yet significantly incomplete reporting of the claimed derogatory event against me, I am notifying you of my enacting of consumer right to CHALLENGE the claim ( s ) : 1 ) based on MISSING aspects of CERTIFIED COMPLIANCE 2 ) based on DEFICIENT aspects of CERTIFIED COMPLIANCE 3 ) or based on ANY OTHER questionable aspect of COMPLIANT and CERTIFIED PERFECT REPORTING LASTLY, Per federal laws, VALIDITY of claim MUST be perfectly TRUE & CORRECT, and to REPORT the VALID and VERIFIED derogatory claim MUST be perfectly COMPLIANT " as reporting WHEN REPORTED ''. ANY deviation from that minimal criterion of validity or reporting compliance makes retain the derogatory data unethical and unlawful and gives consumer legal grounds to DEMAND immediate and permanent removal, so DELETE your unjust and injurious claims versus me NOW! ''
The collection has been pulled back from the original vendor but EOS as not removed their collection from my credit profile.
I send money through moneygram here in california going to my sister to XXXX XXXX, when my sister got the check issued by one of the locations in metrotown XXXX XXXX she deposited the check to her own bnk acct. to her surprised, the check bounce and was charge for that, we tried callng moneygram they kept promissing my sister and me to wait until investigation is done, how long will it take for us to wait? Pls help.the amount of money sent is XXXX usd which was transacted last XXXX XXXX,2017.
On XXXX XXXX, XXXX, I lost my job. On XXXX XXXX, XXXX, I contacted American Educational Services and spoke with Representative ID XXXX and explained my situation, specifically that I had lost my job but wanted to see what I can do about my monthly payments. The representative stated I qualified for the MGRS repayment but was unable to give me specifics about the repayment plan, but indicated he would email me the information. I never received the email and contacted AES on XXXX XXXX, XXXX. Spoke with Representative ID XXXX who informed me the previous representative already submitted the application but I do not qualify because I already have the MGRS plan in the past. She stated the only other option is if I left my account go 31 days past due and then get a modified repayment plan. I advised the representative that this is not acceptable as it will negatively impact my credit. I was then transferred to a supervisor, ID XXXX, who indicated again I do not qualify for anything and in fact if my account went delinquent and they did a temporary modified repayment plan, after three months it is more likely than not that my monthly payments would increase from the current monthly repayment. Therefore, being unemployed, I have no options to repay my {$260.00} a month loan other than defaulting, hurting my credit, getting a three month temporary repayment plan and then ending up with higher monthly repayments than I have now.
Timeline of events :XX/XX/XXXX Pulled credit report, collection listed.XX/XX/XXXX Letter sent to Action Collection Service.

XX/XX/XXXX Letter delivered and signed for.

XX/XX/XXXX No response, pulled credit report, still listed.

XX/XX/XXXXSent 2nd letter to Action Collection Service.

XX/XX/XXXX Letter delivered and signed for.

XX/XX/XXXX No response, pulled credit report, still listed.
We are representing a home owner in initiating a Short Sale for his home. We submitted all documents to get the sale date postponed and we were told that the date was postponed for 45 days. The sale date was set for the following day before confirmation of postponement. The property was then auctioned off to a third party. We were never told that the property was going to auction or that they canceled the extension. Now we have been trying to get the lender to rescind the property but they are not reaching out to us after informing us that it was in fact their mistake. We have reached out to managers, escalation dept, liquidation dept and to other high level corporate supervisors. We still have no resolve and have not heard from anyone in over 10 days. Despite several failed attempts, emails and voicemail left. The lender involved in this complaint is Shellpoint Mortgage. Now that we are constantly reaching out to the lender it almost feels that all representatives in their office have been advised to not cooperate with our office. We have been told by several agents that the notes in their systems reflect a postponement of 45 days. Any help or insight with this matter would be greatly appreciated. The homeowner, myself and our firm are continuously being given the run around with no resolution.
I have been with Ameritech since XX/XX/2016. I was told that this payment would go towards a larger payment for so many years and then my loan would be forgiven. Today, after I told them that I received information that they were not doing that, they said, " We have always said we don't pay towards the loan, '' which is not how they sold me to be a part of this program. I have given them well close to 1500, and not one penny has went to my loans. I feel decieved. The supervisor told me not to terminate membership because I am almost done with some type of fees, that would guarantee me my loan forgiveness. I am a single mother struggling to make ends meet, and then to find out, all my money was given to a service that I have never used, XXXX. Throughout all three years, I have never used the service. At one point, I thought it was spam. He would not give me any refund, not even the payment they took today. I also can not contact XXXX, they will not answer. Please help me!
Navient. 

Tried to auto enroll me in deferment of payments. 

My loan provider has changed multiple times unnecessarly since first beginning payments. 

I have selected an automatic payment option to focus on the highest interest loan first. Worked out fine for a couple months. Now it's not paying the other loans, allowing them to default and causing high fees. THEIR AUTO PAYMENT OPTION. 

Automatically changing my address unless I call them. I haven't moved. I can only assume this is to XXXX people over on their tax deductions. 

Tired of baby sitting them. Grade A corrupt business practices at every turn. Selling all my investments ( my entire nest egg ) to clear out of this debt which is suppose to just be 3-5 % APR but it's just not with all their XXXX. Going to encourage my son and anyone else who's interested in college to steer clear.
Capital one undelivered card and customer service and downgrade and identity theft affadavit unworked