WillisBack/dataset-financial-user-claim huggingface dataset:
Every time I cancel my " membership '' with Experian, they come up with false reports and claims. This time I canceled my membership on XXXX Within 3 days they " claim '' I have a debt to a company called " XXXX/XXXX '' that says the debt is from XX/XX/XXXX. I live out in the middle of nowhere and have NEVER had this cable company ( which is what it believe it is ) My only options out here are XXXX or XXXX. I have XXXX & have had them since XX/XX/XXXX when I moved here. PRIOR to that I had XXXX XXXX XXXX, BEFORE they merged with XXXX. My last monthly bill with them was paid XX/XX/XXXX for {$130.00}. When I try to " dispute it '' of course Experian comes up and says that option is not available to me. WHY? Because I refuse to pay for their crooked false reporting? 

This is the 2nd time I have canceled where Experian plays games with my credit report. The last time they dropped my score 50+ points when I paid off my mortgage in XXXX. They are the ONLY ones who play games with my credit score. NONE of the other agencies are reporting this " FAKE '' collections debt! 

I have worked very hard to keep my score up around the XXXX area  and just because I pointed out NOBODY uses Experian so why should I continue to pay them does NOT give them the right to post FAKE COLLECTIONS or DEBT to my account!
On XX/XX/XXXX I was informed by my mortgage company Amerihome Mortgage that my XX/XX/XXXX, and XX/XX/XXXX payments had not been received. I immediately checked my bank account and noticed that the funds for the XXXX checks issued had not been drawn out of the account yet. I contacted my back and verified that the automatic bill pay system was not at fault, was given the XXXX check numbers, dates mailed, and expected processing time for the funds to come out of the account. I have attached the supporting document that shows the dates that XXXX processed the payments. I paid Amerihome Mortgage the XXXX payments and fees immediately on XX/XX/XXXX. After further investigation I feel that Amerihome Mortgage either held onto my payments or lost them as on XX/XX/XXXX Amerihome Mortgage sent me a letter stating that a check sent to them for payment was denied by XXXX my bank. After talking with XXXX the check that was denied was XXXX of the XXXX checks that Amerihome Mortgage had stated they did not receive. I am filing this complaint as my credit report has been impacted by this error and when I asked Amerihome Mortgage to send a correct statement to the credit companies I was told that they stand behind their decision to report a late payment on my account. There is much more information about the poor customer service with Amerihome Mortgage. When I initially attempted to set up payment on their web site, my account was denied by them saying I could not register for automatic payment or electronic draft on their site. I was not able to get this set up until after this incident in XX/XX/XXXX When I did get it set up the Amerihome Mortgage help advisor said " your social security number '' was incorrect in the electronic bill pay system which did not allow me to set up this account for payment. As a consumer I take my credit report and score very seriously. I was recently denied credit due to this inaccurate reporting and possibly a job that I was interviewing for in the same time period with XXXX ( XXXX ). I am looking for help in getting Amerihome Mortgage to remove the late payment statement as they for some reason did not try and process my payment until XXXX days after it would have been received. The check they attempted to process # XXXX was mailed out XX/XX/XXXX to be received by them on XX/XX/XXXX. They held onto this check until XX/XX/XXXX and because I cancelled payment on this check on XX/XX/XXXX because Amerihome Mortgage said they never received this check, it was denied by XXXX and clearly Amerihome Mortgage did receive this check. My end of year statement from Amerihome Mortgage was also impacted. I could use some assistance in getting all to this corrected.
Applied for a loan with XXXX XXXX, a loan broker in XXXX, TX. The loan was quoted verbally on XXXX/XXXX/15 by XXXX XXXX as 3.25 % with total fees of {$1800.00} to be paid. This loan was XXXX option on the original GFE issued by Quicken Loans, although the {$1800.00} in fees was higher than on the GFE. Quicken issued several subsequent GFE 's, each one incorrect. As of the day of verbally being advised of loan approval, a correct GFE had not been received, however, we continued to proceed in good faith. A correct GFE was never received prior to closing. The final, incorrect, GFE, arrived via USPS on XXXX/XXXX/15, the day of closing. Despite being advised of loan approval on Friday, XXXX XXXX and requesting both the corrected GFE and HUD statements several times between that date and our scheduled closing of XXXX/XXXX/15, they were not received in a timely manner. On XXXX/XXXX/15, the business day prior to closing, the HUD statement was received late afternoon. Upon review it was noted that again, the loan numbers were incorrect. There were origination charges and fees totaling {$4100.00}, or {$2300.00} more than quoted. A call to XXXX XXXX of XXXX XXXX the morning of XX/XX/XXXX advised of the error and a correction requested. After reviewing with the loan processor, XXXX XXXX advised that the numbers were correct and that there were origination charges tied to this particular loan, which was not what was verbally quoted nor in the original GFE. She also advised that we could change to another loan, but that would take a minimum of 3 days to process. As the closing was out of state and had already been delayed XXXX, my husband and I would have to find another time to travel, incur additional expense, etc., we decided to go ahead with the closing even though the figures were incorrect and the loan was not the one that had been promised. 
XXXX XXXX did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred on the loan issued by Quicken Loans were {$1800.00} more than originally quoted by XXXX XXXX. 
Complaint : Despite numerous requests through our loan broker for a corrected GFE, Quicken Loans did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. The HUD statement was also not issued until the very last moment, not allowing time for any corrections without delaying closing. 
An aside, XXXX XXXX advised that information from Quicken was sent via USPS and e-mail, however, no e-mail was ever received from Quicken Loans. 
I believe that this issue is an unethical practice.
I was informed by my XXXX XXXX recruiter that I have an outstanding bill therefore, for days I have been trying to contact them to pay the debt so that I can clear my record and enter the military. I have called multiple time and left messages, i also sent a email.but have not received any reply, meanwhile I am unable to move forward toward entering into the military. See attachment..
XXXX XXXX charged off a credit card account on which I had fallen behind on payments. I do not dispute the legitimacy of that credit report entry. XXXX XXXX transferred my debt to XXXX XXXX XXXX and I paid the debt off in installments culminating in a payment of {$980.00} in XX/XX/XXXX. In XX/XX/XXXX I disputed the content of my credit report as it did not reflect that I had paid the charged off amount in full. Experian reported the charge-off on my credit report as happening again in XX/XX/XXXX. My credit score fell 26 points as the delinquency now appeared on my credit report as a new event. I disputed the report again as a new report of an old debt which had been resolved. Experian reported the charge-off again as having happened in XX/XX/XXXX I called Experian and was told there was nothing they could do and that I had to contact XXXX XXXX to get them to remove the reported data. I call XXXX XXXX who told me they were no longer reporting to Experian. They referred me to the collection agency XXXX XXXX XXXX XXXX, who represents XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent me a copy of my paid letter and told me they were not reporting anything to Experian. Experian is basically penalizing me for trying to dispute the completeness of a credit report entry by making a delinquency appear on my report as much more recent than it is. I would also like to comment that neither XXXX nor XXXX are reporting the charge-off in XX/XX/XXXX or XX/XX/XXXX so this appears to be specific to Experian 's systems or practices.
On XX/XX/2018, at what appeared to be a legitimate request by our title company in the course of a pending real estate transaction, two wire transfers of {$65000.00} each were received by a Citibank customer illegally posing as the title company 's escrow agent. 

Despite glaring inconsistencies in the name of the wire 's beneficiary, the beneficiarys address and reference data, Citibank failed to take simple and adequate measures to flag the suspicious acitivity and prevent this fraud. 

Furthermore Citibank did not act expeditiously nor according to industry standard policies, procedures and best practices, including sending a simple service wire back to one or both of the originating banks to request clarification due the inconsistent data ( before funds are made available to the account in question ), which would most certainly have alerted the parties to this illicit activity and prevented the fraud entirely. 

After nearly 6 days of activity, including depleting the account of funds through walk-up teller withdrawals, ATM withdrawals and large debit card purchases, Citibank finally froze the account in question and alerted the rightful beneficiary on XX/XX/2018. 

Despite the freeze, to add insult to injury, suspicious purchases continued to clear and debit the account for a number of days after we were notified of the scam. 

After nearly two weeks, on XX/XX/2018, Citibank finally returned just {$80000.00} of the original {$130000.00} to the originating banks representing an immediate loss of nearly {$50000.00} - in addition losses incurred as a result of the delayed real estate transaction. 

We promptly escalated the issue to the Citibank Executive Response Unit and requested a reimbursement of the balance of {$49000.00} that Citibank 's customer was able to leverage the institution to unlawfully obtain and withdraw. 

On XX/XX/2018, despite not taking adequate measures to protect my family and me as consumers, Citibank, citing a grossly out-dated provision of the Uniform Commercial Code, refused to take any responsibility, and alleged that no bank error had occurred. The bank informed us that it will not reimburse us for any of the losses sustained. 

Although it is assumed that Citibank possesses enough human and technological resources to address this increasingly common type of fraud, and it appears that there were significant oversights that enabled a bad actor ( a term used by Citibank security ) to use the bank to steal a significant amount of our money, the bank 's response has been nonetheless surprising.
On XXXX XXXX 2016, I opened a Citigold checking account with the promotion code XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
Requirements were completed on XXXX/XXXX/2016. To note that this date was confirmed by phone by a Customer Care Representative which did not inform me of any technical difficulty and assured me I would have received my miles within 90 days. No other kind of communication was received from Citi regarding any kind of delay or technical issue, therefore I assumed that the miles would have been credited within the stated 90 days. On XXXX/XXXX/2016 the 90 days had passed although the miles were not credited yet. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XXXX XXXX 2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. ". 
Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember, I am over XXXX years of age, and I had never held a consumer checking account with Citibank before.
On XXXX XXXX, I called my credit card company to get a payoff. I paid off the account per the amount that was told to me. On XXXX XXXX, I received a statement saying I owed money. I called, and they told me it was because I was only paying the minium amount that was due and it was because I paid it off after my due date. They would not waive the amount and keep telling me they can not do this and that I owe that money. Again, arguing, I called for a payoff on XXXX XXXX, the amount I paid is what I was told to payoff the account.
Chase card services is committing fraud by reporting my date of last payment as XX/XX/XXXX According to chase I paid these accounts with XXXX account ending in XXXX According to XXXX XXXX XXXX XXXX ending in XXXX was closed in XXXX so ther is no way i can pay from this account the date of last payment is XX/XX/XXXX so the credit cards listing should be removed from credit reports as it is too old after XX/XX/XXXX Chase is committing fraud by changing date of last payment so account listing remains and I am kept hostage for life Pls help Documents are attached
I wrote Capital One about someone opening account under my name which was on the credit report for about going on a year now. Under My Consumer Credit rights I have the right to dispute this and have them take this off of my credit I have nothing to do with this account they keep going in my credit report and place in information and update after update which dramatically is messing up my score. I am not sure why they keep going on my credit report every month and updating information and causing it to drop significantly even though this is not my account this is   XXXX   they 're calling me a liar because they are not removing this from the credit bureau I have a case number with the police department about this case number  XXXX  I need this to be taken off my credit I will be making this public and advertising what they are doing to people. I need this removed from my credit report immediately please stop discriminating against me I have nothing to do with this account. This was already on my credit please have them stop updating it every month and reducing my credit score significantly   XXXX   discriminating against me and hurting me and causing conflicts and financial problems because of my credit. After I went ahead and made it last complain about this with the Consumer Financial they went back on my credit and updated the same information they had even though they know it was on there already. Since it 's not accurate now with the date being on my credit report and it 's now being on there has this month which is not accurate this needs to be off my credit report immediately!!!!!! If this is not off my credit report I will be contacting the state attorney 's office ... this is discrimination I am qualified under the consumer Federal Protection Law and you guys are violating it. You guys are messing up my credit by updating information that is not accurate they updated it to this year and this month which it was on there months and months ago this need to be removed.
On Wednesday, XXXX XXXX, 2015, I went into a BMO Harris branch in XXXX, Illinois to apply for a mortgage refinance. I presented the Mortgage Banker, XXXX XXXX XXXX XXXX a commitment letter from my current bank for the mortgage refinance and asked if he could do better than their deal. It was an interest rate of 3.5 %, for 15 years with XXXX origination fee and XXXX discount fee. Although he said the cost would be approximately {$1500.00}. He also said that the recent appraisal of my house could help to reduce the cost of the loan and I would get a grant for {$1000.00}. But he required a {$100.00} deposit. I provided a master card for the {$100.00} and asked for a receipt and he said he would email it, but he never did. Today, I received the application via express XXXX letter that he completed along with other mortgage documents including disclosures and settlement information. How can {$4100.00} in settlement charges be better than XXXX cost and XXXX origination fees? I wanted to borrow XXXX, but the application says that I want {$85000.00} to pay for consumer debt when I did not ask for additional funds. I told him that I currently do not have an escrow with my current mortgage and want to keep it that way, but the application/documents he prepared state that I would have an escrow. I have asked whether I would be denied a refinance loan for the {$73000.00} and whether I am only approved for the larger {$85000.00}. To date, he has not documented whether or not that is the case. Also to date, he has not provided me a receipt for the {$100.00} that I have requested XXXX, but BMO Harris managed to charge my credit card. I have found this loan refinance process to be such a scam.
All unauthorized, requested removal.
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XX/XX/XXXX
For the past 4 years I have been trying to work with XXXX and Ocwen, for a loan modification, by using Hamp. I have submitted over XXXX applications, only to be told after several weeks something is missing, or Paperwork out of date. Foreclosure sale date has been set XXXX. We filed chapt XXXX, to stop sale the first time. On XXXX XXXX XXXX XXXX XXXX contacted us to say that they had received our paperwork from Ocwen and that we were finally going to have a workout. Paid them {$1500.00}, payments to begin XXXX XXXX. Bankruptcy was discharged, 1. Because we did not feed it. 2. Ocwen never responded to the courts regarding payment plan, but since it looked like all would be resolved, we were not going to need it. We have no other debt. In the mean time another sale date had been set XXXX XXXX, only to find out the week before that Ocwen had no relation with XXXX, therefore we had been victims of fraud. As a pre caution, we filed ch XXXX again in order to stop the sale, because XXXX attorney nor Ocwen was listening to us regarding what had taken place over the last 6 months with XXXX. The night before the sale, the sale had been stopped. Ocwen asked that we re submit paperwork for loan modification, then was told that the off shore bank XXXX XXXX, would not except the Hamp program, and they were going to try to do this in house. We have been submitting paperwork for over 4 years, and they just are telling us, that this trust company would not accept this govt program, and that I needed to check with my state to see if I could get assistance. All in the mean time, fees, legal fees, interstest, principal balance continues to rise. We have now received a court document Assignment of Judgement, stating XXXX has assigned all rights to XXXX XXXX. Effective XXXX XXXX. We just want to pay our mortgage. But the arrears have become so high, we are so underwater.
I 'm having complaints with Navient, XXXX XXXX or whatever the heck they want to call themselves these days. As I previously informed you, they have consistently misapplied my payments since I originally took out loans in XX/XX/XXXX-XX/XX/XXXX, see Case number : XXXX. Originally, they had just the private loans, but they later took over my federal loans as well. Since XX/XX/XXXX they have misapplied my payments on my various loans numerous times and take forever to rectify the situation. This most recently happened in XXXX XXXX. Although I paid the loans timely, they call my mother who only cosigned for XXXX student loan ( not even a federal loan ) and insist she pay all XXXX ( which I have already paid ). Interestingly, somehow all of the misapplication of funds go to the lowest interest loan, ( How do the misapplications never credit the HIGHEST interest rates loans???? Does that seem strange to you? I sure seems strange to me. ) Despite numerous emails and phone calls takes WEEKS to rectify the situation. Well that was done and I was willing to let sleeping dogs lies, because it 's par for the course for them. However, TODAY ( XXXX ), I get a letter informing me that they have MATERIALLY ALTERED THE LOAN TERMS without ever asking for my permission or consent. Specifically, they have DOUBLED all of the interest rates AND while I was due to pay off certain loans starting in XX/XX/XXXX ( i.e. ONE YEAR!!! ), they have now decreased my payments by approximately XXXX, WHILE INCREASING THE LENGTH OF THE LOANS BY 20 XXXX YEARS!!!! TWENTY XXXX YEARS?!?!?!?!? What. the. WHAT? @!!?! Seriously?!?! The loans were originally set to be paid off starting NEXT YEAR! This means a payment of $ XXXX decreasing to around XXXX/month next year ( so approx {$30000.00} total ) is now $ XXXX/month ( is now {$66000.00} total ). I 'm a " good '' risk, they know I 'm going to repay ... see what they are trying to do? bilk me for the TWICE the amount!? Might I repeat, I have not had difficulty repaying ANY of the loans, despite THEIR misapplications, I HAVE NEVER PAID A LOAN LATE!!! I have never asked for this? HOW IS THIS LEGAL!?!?? By this Complaint, I seek redress in the following ways : 1 ) Go back to the terms I agreed to, 2 ) Stop MATERIALLY changing the loan terms WITHOUT MY CONSENT, 3 ) Apply my payments properly AND PROMPTLY, 4 ) STOP with the questionable collection practices, my mother is elderly this is abuse of her and you should at least ATTEMPT to speak with the loan holder FIRST, 5 ) Stop with the shenanigans, do their darn job and honor the agreement as initially set forth, and 6 ) for crying out loud, BE ETHICAL -- PRETEND you believe in the decency of man ( god knows they make it hard for me to believe that anymore, but I AT LEAST TRY to treat people fairly )! I know there are a lot of people defaulting on loans, but I 'M NOT ONE OF THEM. Stop treating me like XXXX because you know I 'll repay. I 'm sorry but I AM FED UP! How would YOU feel if this had been happening to you for the past TEN ( 10 ) years?
My mom signed me up for XXXX XX/XX/2012 I went for 13 months I never failed a class I was terminated from school because my mom did n't want to provide her XXXX I was left with this big loan XXXX salie mae left me and messed my credit up at age XXXX last year they took my tax return XXXX $ w not payment arrangement