WillisBack/dataset-financial-user-claim huggingface dataset:
We closed on our loan XXXX/XXXX/XXXX. We have it in writing that we wanted to make bimonthly payments to save on interest over 30 years. Our loan provider Movement Mortgage ensured us again and again that it is simple to set up. On XXXX/XXXX/XXXX we received a letter from a different company XXXX stating that we no longer should pay Movement and that they are our new servicer. We were never notified of the transfer from Movement and we did not receive a bill from XXXX until I called them and asked for XXXX a few days before our first payment XXXX/XXXX/XXXX. XXXX does not offer bimonthly payments even thought at first they told me that they did. They have now confirmed in fact they do not. This is something I was looking forward to doing and saving money in the long term about {$40000.00}. Not only did Movement lead us on in saying they would provide great customer service and that bimonthly payments are easy to set up but they did not inform me ever of a new loan company. Movement did not return my email dated XXXX/XXXX/XXXX the same day I was informed by CENLAR that our loan was changing. They only emailed me a month later after I posted a negative Yelp review describing my experience so another customer doesnt make the same mistake I did. I have read that the selling loan company needs to inform the borrower well in advance before transferring a loan and I also think they should not lead customers on saying they will allow bimonthly payments when they are intending to sell the loan the same week it was closed on. I understand how mortgages are bought and sold all the time but this situation seems a little abnormal. I have it in writing from an email dated XXXX/XXXX/XXXX that when my first bill comes from Movement that I could set up bimonthly payments. I am sure that our loan was already in the process of being sold and it could have been an opportune time to inform me the buyer. I am going to look over my loan documents to find the percentage chance that they are going to sell my loan as well.
I am filing a complaint with   XXXX   XXXX   and  XXXX . I have sent a tota l of six ce rtified disputes letter to all   XXXX    Credit Reporting a gencies since  XX/XX/17   . In the dispute letter I was  requesting an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature on it based on the FCRA. For every letter I have sent them I got a letter and a credit report back stating all items have been verified and belonging to me. They have yet to send me an original contract with my signature on it as I asked them to in the dispute letters. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required   to promptly delete all information which can not be verified. I have included all of the FCRA information above in the disputes letter only to receive a response back to say all items were verified belonging to me.  XXXX  of the accounts have been paid in full. There is also  XXXX  accounts on my report from the original creditor and they have been sent to a collection agency. So all  XXXX   Credit Reporting age ncies are reporting the original creditor and the collection company that they have been sent to which is illegal. The other accounts have been charged off and I asked to delete them or prove to me that they were mine by sending me the original consumer contract with my signature on it and they have failed to do. The reason they have failed to do so is because they do not have it and will not delete the accounts or the inquiries from my credit report. I have spent almost {$100.00} sending certified letters to them every thirty days after I got a response back from each dispute letter only to see nothing has been deleted.
I have things on my credit that have been handled through my bankruptcy which still shows up on my credit with all 3credit bureaus and also my bankruptcy still shows up even after knowing that the new law says it should not I have did so much to get things in order but the creditors nor collection not working with me
XXXX XXXX XXXX , XXXX, changed account numbers on previously discharged accounts and is now reporting the fraudulent accounts as current with outstanding balances.
Synchrony Bank calls nearly 20 times daily, starting at  XXXX  on behalf of Walmart. After being told that I am unable to pay right this minute and that I will get everything caught up with in 2 weeks, they continue to call from many different numbers. After blocking the visible phone numbers, they 've started calling from unknown caller id. So far just this morning they have already called 6 times wishing 2 ho urs.
There are several fraudulent unauthorized inquiries on my credit report. I have a police report on file with transunion as I am a victim of identity theft. These inquiries were not done by me. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. The account Showing on my report as XXXX XXXX is reporting inaccurate information. I have disputed this account with transunion several times and they will not update it to report accurately. My report shows that the last payment to XXXX was XX/XX/XXXX and the account as open however this is inaccurate. The account close date should be XX/XX/XXXX which is the date this account was filed in a bankruptcy. This inaccurate reporting makes it appear that I have been delinquent with them from XXXX when in fact the account was closed in XXXX and discharged in a bankruptcy.
XXXX - I placed a Security Freeze on my account. I received both online and emailed confirmation that my pin would be mailed within 3 business days. 

XXXX - I had not received my pin. I called and was told that the pin had been mailed that day. 

XXXX - I still had not received my pin. I called and was told that they were behind due to the XXXX breach, and that I would receive my pin in 5-7 business days. 

XXXX - I called and was told that the pin had been mailed on XXXX, and that I would have to send a written request, with all my personal info, before they would mail my pin. They also told me that I had n't called on XXXX! I asked that they offer another way for me to receive my pin, as I no longer trust their " It 's in the mail ''. They refused.
Specialized Loan Servicing is reporting I had late payments in XXXX. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and XXXX and they corrected the problem. I am sending the same documents to XXXX so they can see the payments were made and remove the derogatory marks from my credit report. I have tried to resolve this issue 3 times with Specialized Loan Servicing and they keep reporting false information.
i contacted the three credit report agencys. XXXX, transuion, and XXXX concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.
Quite some weeks ago I filed concurrent complaints with the CFPB, XXXX, TransUnion, XXXX   and XXXX about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - XXXX, TransUnion, XXXX and XXXX each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.
I had a private student loan for the appx amount of XXXX dollars with XXXX XXXX XXXX in XXXX. The loan was sold to Williams & Fudge , Inc when I was not able to come up with a payment plan. XX/XX/XXXX I found employment and made a payment plan with Williams & Fudge to pay {$60.00} every 2 weeks for a total of {$120.00} per month. I paid this amount for the remainder of XX/XX/XXXX all of XX/XX/XXXX, XX/XX/XXXX and thru XXXX XXXX. I requested an interest statement from Williams and Fudge in XX/XX/XXXX to file my taxes they referred me to XXXX XXXX XXXX, I called them and they said when they sell a loan to a third party collector there are is no longer interest on the loan. I called Williams and Fudge back and asked why after 3 years of payments my balance was not going down they said due to the interest and additional fees. I immediately stopped the semi monthly draft and would like this to be investigated. I will never get the loan paid off and can not afford to pay the {$1000.00} per month that they are telling is required to reduce the balance. I recently received an interest statement from them showing that I paid interest on this school loan. It is all very confusing.
This company keeps harassing my friends every single day about a loan I took out with them. If Im not mistaken theyre only suppose to reach out once to my contacts and thats it. Theyre continuously harassing them and myself as well. I am not able to pay them back at the moment but I have already planned to pay off the loan as soon as I receive my taxes. I do know my rights and this is NOT legal.
I have an XXXX XXXX credit card that had a credit limit of XXXX. I make my payments on time and today I received a letter that they decreased my credit limit to XXXX, ( My balance is XXXX ) and XXXX to use. They have done this to me on another account I never used, it was a XXXX account with a {$250.00} limit. and a XXXX   XXXX card, that I paid off and hadn't used in a few months. The credit limit was XXXX and they lowered it to {$100.00}, again another ding. I never used the XXXX XXXX card and they lowered the limit to XXXX. So it had an impact on my credit report. This new XXXX XXXX decrease will also affect my report. They told me it had something to do with something in their contract that they can lower the limit at any time, based on my credit report. The report they are using is from XXXX. It's already XXXX and my credit score was less when I first received these cards years ago than it is now. However, 4 other cards that I never used, they closed them, and that did not ding my credit report. How do they get away with this? 

Why am I know getting penalized for patronizing a store and paying my bill on time? I spoke to a " Credit Supervisor of  XXXX. His name was XXXX ID # XXXX. I asked for the name of the Chairman of the Board but he refused to give me that information. What kills me is that they report it to the credit bureaus with absolutely no reason for the decrease. What are my options to alleviate this, I think I only have three XXXX  cards left the others issuing banks alert me if I haven't used a card they will close the account ; that is fair! I understand that and it's not a negative on my report. I can understand not giving me an increase but to decrease it, hurts my credit.
Bank of America recently notified me of a breech of security at some unnamed merchant and they were issueing a new credit card and cancelling the old one.

This is a recurring problem with BOA.

When I called to find out which merchant i was refused the information.

I had to change pay accounts for 12 companies I had on auto pay and this was not the first time. 
Why are the consumers affected not entitled to know which company mishandled their information or had poor security?
Since XX/XX/2018 I have submitted multiple disputes regarding Global lending service. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.
I am not trying to get Navient in trouble I just need help with them trying not to let my private loans default. I have been doing my best to pay on my private student loan but this month I was not able to pay it and now I am going to be in default by XXXX XXXX. My bal is XXXX in the rear that needs to be paid. But, I do n't have the money to give them. And I want them to give me until the XXXX of XXXX to give them the money. I had lost my job and I got a new one and the day I get paid is on the XXXX of XXXX and I just need time to pay them. Please help me. I do n't want my credit more damaged then it already is. Plus, I do n't want them to garnish my wages.
AMEX is fraudulently reporting on my credit report in the amount of {$3800.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Repeated phone calls from a Integrated Services - A XXXX XXXX claimed to represent a payday loan company and refused to provide proof. He went on to continue to call, was harassing, called me a child and a deadbeat for not paying my debts. Threatened to file a XXXX filing against me unless I paid him over the phone. I called back to get their attorney information and ask they stop calling. I was provided the name of XXXX XXXX. hey would not provide me any information, would not validate the debt, only continued to say I was a dead beat for not paying and threatening legal action. 

I have the first voice mail included that they threaten to file a lawsuit included.
I was first contacted by Pinnacle Asset Management ( PAM, LLC ) on XXXX XXXX, XXXX. The guy ( XXXX XXXX ) told me that I had a online loan of {$150.00} from XXXX that I owed for and since it had been so long, with late fees, etc. the amount I owed was nearly {$400.00}. He told me it was scheduled to go to court in XXXX XXXX ( the county I lived in at the time ) on XXXX/XXXX/XXXX. He told me if I made a payment immediately he could settle for {$270.00}. I told him I did not get paid until Friday but then I could pay it. He told me I had to go ahead and give my debit card info and he would run the card on Friday and if I did not do it then it would go to court the next day and my wages would be garnished. I asked him how did I know he was who he said he was. He got really defensive with me about it. I ended up giving him a card number from my XXXX XXXX card. After we got off the phone, I called the original collection agency who had the account and they said it sounded like a scam to them. At that time, I cancelled my card immediately. This is wrong to scare people into paying something that could or could not be legit. He scared me so bad I was willing to not pay other bills I owe to pay this and keep from going to court or getting my wages garnished. I went to XXXX to check the number he called from and got information that this is a mobile phone with XXXX. When I asked him why he was calling from a cell phone he told me he was not. This business is lying to people and misrepresenting themselves!!! I almost felt like it was personal with this guy that he punish me for my XXXX debt that I am not even sure still exists. I am still looking into it.
I recently opened up a checking account at the Key Bank XXXX XXXX XXXX location with XXXX XXXX. I opened this account because she said it would drastically increase the interest rate on my CD. I already have a checking account that I am happy with, so I informed her that I would not use the new account and would there be fees if I did n't use it. She said no as long as I kept {$50.00} in the account. So I went ahead and opened the checking account. 

I received a letter dated XXXX XXXX, 2015 informing me that I would be receiving an inactivity fee on this checking account. This was surprising to me because I know I specifically asked about such fees associated with this account. The representative did not disclose this to me and led me to open a checking account which I do not want. 

I called the number listed on the letter and they said that this is correct, I will be assessed fees. I understand how to avoid these fees but my issue is the total misrepresentation of my account by your banking rep. 

At the time I opened the XXXX I was also told there would be no fees to transfer money from my savings account with them to the XXXX however, I was charged a {$50.00} fee.
My sister in law was homeless and broke, owed $ 700+ to a XXXX. My wife decided to get her stuff out of storage and negotiated with the XXXX to pay {$100.00} to get the stuff out and settle all accounts. My wife put the {$100.00} charge on our Bank of America credit card They loaded up a pickup load of stuff and moved out. When we got our credit card bill there was an additional charge of {$400.00} on the card, made 3 days later, without our approval. We protested the charge to the credit card company, telling them that we authorized the {$100.00} charge but did not authorize the additional {$400.00}. They eventually told us that the charges were valid because we had given the XXXX place our card number and a family member was involved. We told them that we had in good faith authorized the first charge, but not the second and that they should back us up. I also told them that by that logic if I bought a {$20.00} clock from Target on Monday, that they could then charge a {$200.00} item to me several days later. They will not do anything to correct this.
This debt does not belong to me. And i never and was not able or available to use ambulance at the time of the debt. Because i was imprisoned at the time.
Simple story ... ( All this has happened in the last month ) We got behind in our mortgage ( No surprise ) They ( OCWEN ) started the Foreclosure process and gave a sale date. They sent a reinstatement statement. We paid the reinstatement of {$7400.00} They then told us it wasn't enough and that we had to make and additional payment of {$1600.00} to bring our mortgage current. We made that payment ... ( We paid them OVER {$9000.00} in one week!!! They have applied all the money to our loan. It was all the months we were behind ... Then they said that wasn't enough and we still owed {$5000.00} in penalties ... The day before the sale we had to file an emergency Bankruptcy to save our home. We come to find out they never sent the sale date to the sheriff or our county never was notified of a sale date there was no real sale date..The attorney that represented OCWEN ... told us the day of the sale OCWEN postponed it for 30 days ... We were told on a recorded conversation that would roll the penalty and fee to the end of the loan ... We just got a statement today saying we owe them over {$5000.00} ... We are currently BROKE we gave them all we have ... I won't be able to pay them until the end of the month but there saying that's not good enough. What do I do? Can you help???
I got married on XXXX/XXXX/15 which resulted in a name change. I contacted Bank of America as I have multiple accounts with them, two checking accounts, a savings account, and a credit card. I am also an authorized signer on my parents bank account, as they are on mine for emergency purposes. XXXX of my other sisters is also an authorized signer, and she lives out of state as well. I contacted my local Bank of America branch to confirm the paperwork I would need to make the change - except they would not allow me to make the change on my own. They are making me have every signer on the account come in and sign for my name change, keep in mind, no one else 's names or information were changed. I call the telephone banking number, I was initially told this should not be a problem and I should go back to the branch. I go back to the bank branch prepared with my legal documentation, again I was denied the ability to change my name without all of the other signers. The issue is, my father who is on the account, works out of state and there are no branches where he works. I call the telephone banking number again, I was told there is no way around this, but was told I could close my account with only my signature. I was also told this at the branch. Why I would want to close my account of 20 plus years and open a new XXXX, is beyond me. Especially when it would not fully resolve the issue, my name is on other accounts and I will not close my parents bank account. Bank of America offered to mail me a form to complete, I called twice on this form and kept being told " The form is on the way, give it time '' 2.5 months later, I am still waiting on said form. Bank of America 's policy on this is asinine, all I want to do is change my bank account to my legal name. I have done this same action with other financial institutions and all it required was a phone call and a form, no other account signers required. Bank of America 's policy is outdated and a major inconvenience to consumers and they offer no viable solutions.