WillisBack/dataset-financial-user-claim huggingface dataset:
On Sunday XX/XX/XXXX, I logged into XXXX which allows me to look at credit reports from XXXX  and Equifax. I noticed errors on my Equifax report and I clicked the link to file a dispute. This bounced me over to an Equifax web site to log into my credit report and submit the dispute. When this happened, a new window opened that did not allow me to click the back button and there was no navigation buttons in the web form to allow me to go to various parts of my dispute. I had entered information and when I clicked next, the characters in my statement changed to nonsense, ( example :? / ' & XXXX # & % : { |+ ) I tried to go back to fix it, but the form broke. I received an error message that information had to be resubmitted in order to complete the form. I went back to the beginning and started again. I am no longer able to log into my report. It tells me to call Equifax support every time. I had to wait until Monday. I started with the chat feature for support. The person chatting with me told me that the dispute system was down and that I should call or submit my dispute by email. I said no, that I wanted to wait until the system was back up. He couldn't give me any information about whether or not it would come back up. I called the XXXX number and spoke to someone who couldn't confirm or deny whether the site was working. He started to take my dispute by phone. They are not allowed to share any information with me once I am chatting with them. So, the agent couldn't even confirm that they were taking notes about the correct account. Example, I'd say, " I'm referencing this XXXX account opened in XX/XX/XXXX, do you see that one? '' and the agent would say that they can not share any information. I've had multiple accounts over the years with the same companies. How do I now, the agent and I are talking about the right one and my complaint will be taken correctly? They can't corroborate any information and there is no way to view the information online once you're locked out. I then asked how to send supporting documents. They told me, I could fax them, " If you want, '' to use the exact words o the agent. I don't have a fax machine. It's XX/XX/XXXX, most people upload or email documents as PDF 's. I worked in XXXX for nearly 2 decades and I assume that when the session broke on Sunday, my account was locked out. I asked if it could be unlocked and they won't tell me anything. They support department is separate and they don't take phone calls. How is this serving the consumer? I want this bad data cleared from my credit report in a timely manner, so I can apply for credit on MY schedule. What if I wanted to buy a house in the near future? Equifax ' web implementation is inferior to that of any other major corporation and I surmise it is in an attempt to deter the consumer from being able to submit disputes which should be illegal. Equifax should be forced to update it's procedures and software in a more consumer friendly manner.
I graduated in XXXX 2010 with over {$100000.00} in student loan debt. My loan payments to-date, per month are nearly {$1000.00}. I have paid every month nearly {$1000.00} since graduation and my student loan principal has not gone down, it has increased in fact. I tried several times to refinance or have my payments lowered based off of my income and I was told multiple times that my monthly payment is the lowest they can allow. I have paid almost {$84000.00} to-date and have nothing to show for it expect a higher debt. XXXX XXXX and now Navient did not work with me to lower my monthly payments or even lower some of my 12 % interest loans.
Discover Card customer since 1995, I closed account in XXXX 2015 and was reported late on Bureau in XXXX XXXX dropped Credit Score from XXXX to XXXX. Only used car for XXXX and as agreed upon by Discover Card was never paid 30 days late. {$50.00} payment made religiously through XXXX Bill Pay. Discover changed payment DUE DATE from the XXXX of each month to the XXXX ironic as my payment was received by Discover anywhere between the XXXX and XXXX of the month because I get paid twice a month and paid the {$50.00} payment again, through bill pay. Discover knowingly changed the date simply for the Purpose of PREDATORY FEEING! The account never had a balance higher than {$500.00} and given the {$50.00} payment was 10 % or greater ( based on Balance ) Discover Representative, XXXX XXXX offered to refund XXXX {$35.00} for a total of {$100.00} ( again Fee was charge because payment was received 2 days after the new XXXX due date and before my original due date of the XXXX. These XXXX fees changed the minimum payment and caused the wrongful posting of the account 30 days, Discovered Representative XXXX XXXX, gain would not reage my account but offered to refund fees. He also acknowledged that Discover never reached out to me other than through the normal statement. I simply want my account reaged and to remove the only blemish on my otherwise pristine Credit Rating. This was caused by the DUE DATE CHANGE initiated by Discover in an effort to simply generate fee income.
Lender and servicer are in violations of the CA HBOR. They acknowledged that they received a complete modification package from us. After a day, they decided to deny us for the loan modification. They never fully reviewed the loan mod package and never suggested and discussed with us the alternative options to prevent foreclosure. They made clear their decision to deny us for the loan mod is final and subject to no further appeal. They never stopped the foreclosure sale date while we are seeking for the approval of the loan modification option. 

Thank you.
I had switched to this mortgage company a few months prior to the incident. We switched to Oceanside mortgage company after they kept contacting us to let us know we could save money on our mortgage. When XXXX came, we were in a bad car accident and had hospital bills as well as loss of a brand new vehicle. We called Oceanside and asked if we could make a larger payment, then pay the rest the next month or even 2 weeks later. Oceanside said they could do even better and have us make 1 payment in XXXX, then spread out whatever we owed over the next 3 payments. We were happy and said thanks, and we were told that we would be counted as late in oceansides system, but once we made all payments we would be fine. So once XXXX came and we were great financially, I got an alert from XXXX XXXX saying my payment history was late on my mortgage. I called Oceanside and said I can't have this because we were trying to get a pool loan and do some renovations and were never told about this, I was told that it has to be that way and they were going to do nothing. I stated I was never informed my credit would be blemished or I wouldn't have done it, I was told it would not change. I have 4 months of late payments now and can't get my home renovated or pool because of this, nor will Oceanside add a comment of payment arrangement or anything.
I entered into a loan agreement with Wells Fargo Mortgage on Monday, XXXX XXXX, 2016. I had been preapproved for several months. I advised my loan officer that I was looking at many different types of homes to purchase. In XX/XX/XXXX, I asked if they lent on Manufactured homes. I was advised the did indeed lend on that type of home, if the land was included. A week or two later, I asked if they did leased land in communities. I was advised that if it was in an approved community, they would. I gave the name of my community. I checked back a couple of times, to verify a purchase was possible in my chosen community. I was advised it was approved. I closed on the sale of my home on XXXX XXXX, 2016. I signed a contract to purchase a home that afternoon and proceeded to start the formal loan processing process. I was advised I would need to pay {$610.00} for an appraisal. I gave the loan agent the number to my credit card. I forwarded all requested documents and signed all forms. I received a call from the loan processor the next day to go over my paperwork. He stated he needed the name of a title company, I advised him it was not necessary in Florida. I requested he speak to the agent at the community. I called to check on things on Wednesday, he said he was almost ready to submit my documents for approval. On Thursday, my agent called and stated that she had indeed spoken with the lender. I received a call from the original Loan officer that stated they would not be able to make the loan on the manufactured home because it was not being converted into real property and their bank did not do that type of loan. After the shock of having deposited money on a home, I now did not have a lender, I asked for my appraisal money back. I was told the refund had been processed. I checked my bank account from Friday to Monday, XXXX XXXX, no refund. I called on Monday and left a message for the processor with no call back. I called again later in the day and he told me he would check on it and call me back. I did not receive a call back. I called again Tuesday and given a tracking number for the transaction, that only is trackable through their system. I call my bank, they have not pending deposit. I call for a supervisor and got voice mail. I do n't understand why it takes this long to credit my account.
I am writing to dispute the disposition of the date closed on XXXX accounts and XXXX public record on my Transunion Credit Report. XXXX accounts were with XXXX XXXX XXXX XXXX, and show the date " closed '' as XXXX/XXXX/XXXX, but they were closed on XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX was the date of discharge. XXXX XXXX closed and wrote off all of my counts even previous to my filing for bankruptcy and at the time of bankruptcy notified me os such, as well as notified me that my membership was terminated. It is impossible by virtue of this fact, that the accounts are shown " closed '' over 1.5 years later. Similarly on the public bankruptcy record, Transunion shows the date " paid '' as XXXX/XXXX/XXXX, but this inaccurate in this was the date of discharge, the date of " paid '' or " closed '' is XXXX/XXXX/XXXX. I owed no monies due to the discharge, so this should not be characterized as " paid ''. Transunion has claimed these items to be " verified '', but they are inaccurate.
Loancare transferred my loan servicing to XXXX XXXX XXXX in XXXX, 2016 and sent me a letter to that effect XXXX XXXX. I made my XXXX payment on XXXX XXXX and can prove it was mailed that date. Now Loancare says my XXXX payment was not received until XXXX XXXX, which made me plus XXXX and I can not now get a refinance.Under the Real Estate Settlement Procedutes Act 12 USC 2601-2617 they can not penalize me for a " late '' payment for 60 days after the loan servicing is transferred. They will do nothing to correct their error.
We had a Line of Credit with US Bank that was included in our 2013 Bankruptcy and has been charged off by the bank. We are trying to sell our house and the bank is giving us the run around about releasing the Deed of Trust in the county records. This is obstructing the sale of our property
1. Over a period of eight years, Navient ( and previously XXXX XXXX ) has consistently mis-enrolled my loans in an automatic repayment plan of a limited-term nature, INSTEAD of a plan of indefinite length, as I had requested. The effect of this error has been that, though I had believed monthly payments were being made continually and always on time, in fact, they were not ; thus, the loans became late ( and once even delinquent ) without my knowledge. Additionally, sometimes when the full payment due WAS extracted from my bank account, Navient misapplied those funds -- overpaying some loans, and contriving delinquencies on others. Over time, I learned to monitor the account and catch and report these errors. However, these errors have been so constant, despite my exhausting advocacy, and the potential financial consequences for Navient so rewarding, that I can no longer believe that agents there are not misrepresenting terms to me and/or intentionally trying to 'push ' my account into negative standing. 

2. Navient, without any knowledge of my financial situation, discouraged me from seeking income-based repayment options on my federal loans. Their agents told me that they 'thought ' I 'likely ' would not qualify, but, despite my asking, did not walk me through the details of the program or resource me to make my own choice. 

3. Some years ago, my federal loans were refinanced by XXXX XXXX ; the process was already completed before I was informed that some money, borrowed at the lowest, subsidized rates, would, upon consolidation, come to be financed at a HIGHER rate, that, while some rates would come down, others would go up. I was not given the option to exclude them from the refinancing, or told that they were being enrolled at a financially disadvantageous rate. I was not made aware that I could see the existing rates on the federal database to 'double-check ' the counsel and work of the agents. 

4. In speaking with Navient about how I could not afford to make my monthly payments because my private loans with them were financed at the usurious rate of over 10 % (!!!!!!! ), an agent informed me that refinancing elsewhere would hurt my credit score by disrupting the continuity of the loan 's lifespan and end up hurting me more in the long run.
Ocwen, initially approved a short sale for {$280000.00} if I 'm handling for a probate listing. We were waiting for the court appointed appraisal to come back which took some time, and it was {$280000.00} as well. In the meantime the buyer backed out and we got a replacement buyer for the same dollar amount and I was told it was a trustee sale at the end of the month no one told they wo n't postpone the trustee sale to even consider the offer because it needs to be 100 % of the market value in order to stop the trustee sale. Wish I have an initial short sale approval for {$280000.00}. The other issue is this is dual tracking which is illegal in California. Attached you will find the short sale approval that was initially given to us for XXXX along with our offer that is consistent with their approval.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me in time.
OK opinion based on works an experience- you did nothing BUT you did allow the company to clarify for me NOT AMERICANS why they are always going to be XXXX at the hands of lenders and Credit reporting! " Please be advised there are hundreds of scoring models utilized today from financial institutions throughout the United States. Each scoring model is chosen by the financial institution based on criteria they specify in relation to their business needs. " The faade continues because you do nothing to provide a uniform method. We- the consumer are at the mercy of the lenders! Called Greed I believe. I have submitted this over and over and it still remains unresolved. Why send me a report if not correct? I added a dispute of the XXXX and XXXX provided documentation via earlier XXXX XXXX XXXX XXXX concerning my security months ago and still unresolved This security freeze posted through Experian was supposed to go to all three credit bureaus which it did not!!! Fact they avoid mentioning it.
Late payments being reported by XXXX are not accurately reported. There are discrepancies varying from each of my credit reports to the next, they are not even reporting the same late months and years as the other. And there is no way that it 's possible to be late for a payment ( s ) on my account but not actually late that same month and year with the same account, as listed on alternating credit reports. The dates listed as late for 30, XXXX, or 120 days late are not correct. On XXXX credit report it 's only listed as XXXX times late while the other listed as XXXX times reported late etc.
Hello, I 'm extremely upset. I settled the debt in full and now has a XXXX balance and they refuse to send me my letter stating it 's been paid in full and send to Credit Bureaus that this dept now has a XXXX balance and has been paid in full. This is an issue, they are not doing what they should when a dept is paid. 

Please have them fix this right away. It 's affecting my family and i financially.
I obtain credit from Bank of America and was very thankful they gave me the opportunity to have credit with them. I made payments on time and never had a problem, until I fell on hard times and missed payments they eventually closed the account and it went to charge off status on my credit report. The reason I fell behind on payments is, because my mom was XXXX and I had to take time off from work and plan a funeral. My mother didn't have life insurance I had to sell things and tried to raise money to bury her, I couldn't make payments, because I didn't have the money. Bank of America reach out to me for a settlement and I agreed to make payments as promised with the clearing of all negative reporting on my credit reports. I've attached a copy of my payment agreements and have contact their company several times and left voicemails asking for the deletion of the account. I'm willing to send them copies of proof of my mom 's XXXX, police records, obitutary etc. whatever they need to say I'm sorry I missed those payments then due to no work, because of bereavement. I still have the account reporting negatively on my credit report. I would like to move my family out of state to get away and trying to purchase a home, but can not get approval, because of the negative account reporting.
This is a continuation of Complaint # XXXX which was closed prior to allowing the consumer to respond with additional information. 

The timeline : Select Portfolio Servicing, Inc. ( SPS ) XX/XX/2017 = Due to financial setbacks, we notified Select Portfolio Servicing , Inc. ( SPS ) we would be unable to cover payments by XXXX 2017 and initiated a Request for Mortgage Assistance with them. SPS recommended and *approved* us for a short sale based on our situation. Furthermore, SPS agreed *not* to report us to credit agencies as past due as long as we were in an active short sale process, which we were. 

XX/XX/2017 = SPS reported 30 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 60 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 90 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = Short sale completed, SPS reported 120 days or no data to XXXX, XXXX, and XXXX XXXX ( we closed the short sale process and sold the property ) XX/XX/2017 = Account formally closed *We are not disputing any of the language on the short sale agreement. We're disputing that we did not receive the 120 days Marketing Period as spelled out on SPS 's own website. * We submitted our request for mortgage assistance/short sale to SPS in XXXX of 2017 in the attached Hardship Affidavit. In the meantime we lined up a buyer, and SPS dragged their feet to approve until XXXX of 2017, as noted in the Short Sale Agreement pdf attached. 

Since we gave them plenty of notice and were current with our payments, we were eligible for XXXX payments for a 120 day marketing period, as spelled out on the company 's own website here : https : //www.spservicing.comXXXX  ( Short Sale Overview - Select Portfolio Servicing ) A short sale enables you to sell your home for less than the total amount owed on the mortgage. If eligible, we would accept the short payoff in full satisfaction of the total amount due on the mortgage loan. 
www.spservicing.com ( under Payments During Marketing Period ) : " Eligible customers may be offered a ( {$0.00} ) XXXX dollar payment plan during the marketing period. SPS will not reject the customers payment if they chose to make their full contractual payment. The marketing period may last no less than one hundred twenty ( 120 ) calendar days, and extensions to the original term may be offered upon discretion of Management. The customer may be required to provide a listing agreement and evidence that property is actively listing for sale. " ****We were eligible, the buyer 's offer was in, and SPS assured us everything was in order. Despite this, they reported us overdue in XXXX ( the month we were approved ), XXXX, and XXXX of 2017 to XXXX, XXXX, and XXXX. In essence, 0 marketing days instead of 120. ****
Just want to clear something up you say in your letter During a conversation with us while you were in the store, you passed our Fraud verification process and verified the charges were legitimate. Can you please provide the physical evidence I was in the store. You are accusing me of something which Im fine with Please prove I was in the store at the time. Like I said before you WILL respond whether you like it or not and I will not stop writing letters until I get every single detail. please provide proof/evidence I was in the store at the time.
XXXX XXXX, 2014 XXXX XXXX pulled my credit XXXX times without my permission. I have a consumer statement attached to all credit files stating that all creditors have to verify my identity before using my credit report ( inquiring ). All XXXX credit bureaus allowed XXXX to pull my credit numerous times when I consented verbally to only XXXX. I have written letters to XXXX of the creditors with a certified mail receipt. XXXX of those companies want my personal information to verify my information now ; ( although they never bothered to verify my information to pull my credit in the first place ) otherwise they will not do anything to remove inquiries that I did NOT authorize. Because I 've been a victim of identity theft before I specifically told XXXX XXXX to pull my credit only XXXX, XXXX of my credit reports has a total of XXXX inquiries from this day and it is hurting my credit. All XXXX bureaus tell me to put a fraud alert on my file, which is fine ; the only problem is that their not helping to remove hard inquiries that I never allowed. Then I 'm told they will " Fall off '' after XXXX years. Anyone trying to access my credit file should have adhered to my consumer statement and they completely ignored it, all XXXX bureaus allowed them to do whatever they wanted. I would have NEVER bothered with the statement if it was n't going to be adhered to ; whats the point? I need help with this matter and nobody seems to be able to help me ; I never allowed that many companies to pull my credit, I never would because I know better ; yet I 'm suffering the consequences and surely it will affect my ability to purchase a home next year.