WillisBack/dataset-financial-user-claim huggingface dataset:
This is in regards to a BusinessLine Mastercard with Wells Fargo.I had an  outstanding balance with favorable interest rates ( adjustable based on some index ) that had no expiry date ; it was offered to me more perhaps close to 10 years ago. Because I had a large amount of unused credit, last year the bank offered 3.99 % for 12 months. I called in to ask if payments would be applied to the balance with lower interest rate ( which I wanted because it has an expiry date ) and was told yes. However, in reality that is not the case. Some amounts were applied to the lower interest rates but some to the higher one. When I called in to request that all of the payment ( after interest and bank fees ) to be applied to the lower interest rates ( which has upcoming expiry date ), I was  told that that's not possible because they " can not make adjustments ''. When I asked why the payment was not applied to the lower interest rates as I was told, the reply was that that's the general practice but not always and I was referred to some fine prints that says the bank can decide how to apply payments. Most of the phone reps didn't even know about this fine print. I talked to three different phone reps and when I said payment was not applied to lower interest rates, they all initially seemed to think that their computer made a mistake!
When I exited XXXX school in XXXX I was prepared to enroll in the income based repayment and I knew what I needed to do. It was early XXXX between XXXX and XXXX this took place if I'm remembering correctly, I knew I needed to provide a income statement or a letter stating I was not working as proof of no income. Multiple time Navient told me they did not know what I was talking about and this persisted for months. I had multiple phone calls, but it was not until approximately 3 months in a Navient Employee actually walked me through where on the website I needed to submit the letter stating I had no income. This little fact cost me almost {$30000.00} in capitalized interest. When I'm a XXXX  student who had almost {$200000.00} in debt adding an additional {$30000.00} was just demoralizing. I can honestly say I haven't challenged this previously mostly out of embarrassment. This has happened to fellow classmates of mine and companies like Navient are banking on the fact we won't fight it.
CBSA IS A THIRD PARTY COLLECTIONS AGENCY, WHEN I CALLED TO INQUIRE ABOUT THIS COLLECTION THE LADY THAT I WAS TRANSFERRED TO TOLD ME WHAT PROCEDURES WERE PERFORMED ( WHICH WAS XXXX ), WHAT TIME AND DAY THE SERVICES WERE AND FOR WHAT MEDICAL REASON I HAD TO SEE THIS DOCTOR. THIS VIOLATES HIPPA AND SHOULD BE REMOVED FROM MY CREDIT REPORTS. I DID SEND HIPPA LETTERS TO CBSA AND THE CREDIT BUREAU 'S AND THEY SAID IT WAS VALID, AND DID NOT SEND A SIGNATURE OR ANY OF THE OTHER REQUIRED INFO. ALL THAT WAS SENT WAS A ITEMIZED BILL. PLEASE RESOLVE THIS MATTER.
I had sent a request to all three credit bureaus to remove the tax liens currently on my credit report because they do not meet the criteria to be posted on my credit reports since the reporting agencies updated their policies regarding The minimum information needed for a tax lien to be included on a credit report on XXXX XXXX 2017. XXXX and Equifax both came back that the information on the tax liens was " updated '' and still remained on my credit report while XXXX found that there was not sufficient enough information for the Liens to remain on my credit and it was removed. If XXXX found that there was not enough information from The courts where the Liens were filed, then there is no reason why XXXX and Equifax seem to think there is enough information given the information comes directly from the same court No matter which agency was To look at the information. Instead the third party who reported the Lien to Equifax and XXXX just updated the information I provided to prove their was n't enough information in their own system and sent it back saying the data was " updated '' this is illegal and the information needs to be checked against the court record from the court system only.
On   XXXX   XXXX   2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.
I have lodged disputes with Bank of America with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/ 2018 2018
I received an alert from Experian that I had a new account reported from University XXXX XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX XXXX XXXX XXXX and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. I then contacted Experian and filed a dispute. An agent at Experian in the special services department tried to call the University XXXX XXXX and they were not able to find any information that matched me on their system. I asked if this was sufficient verbal confirmation to remove this account from my credit file and I was told it was not. I am buying a house and I need this resolved as soon as possible.
XXXX   ( original creditor   XXXX   XXXX   ) calls my place of employment every single day, all day. They ask the receptionist to transfer them to my boss a nd after leaving messages on his voicemail they continue to harass the receptionist with several calls.
In XX/XX/XXXX I executed a promissory note and mortgage in favor of XXXX XXXX XXXX  in the amount of {$670000.00}. The loan was a " pay option '' ARM, whereby if the monthly payment was less than the interest-only payment, the unpaid interest would be added to the principal. If the payment was more than the interest, the excess would be applied to reduce the principal. 

The loan was ultimately acquired by XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX  was the trustee, who initiated foreclosure proceedings against me after I defaulted on my payment obligations under the Note. 

In XX/XX/XXXX Nationstar Mortgage was assigned as the loan servicer, taking over as prosecutor in the foreclosure proceeding. The original foreclosure trial date was XX/XX/XXXX. As of that date, Trust records showed that the unpaid balance of the loan was {$680000.00} including unpaid interest that had been automatically incorporated into the principal. 

The trial date was reset to XX/XX/XXXX. On the morning of the hearing, I consented to a final judgment of foreclosure in the amount of {$680000.00} principal plus {$23000.00} taxes paid + {$54000.00} insurance paid = {$760000.00}, in exchange for an extended sale date. However, when our case was called Nationstar swapped-in a different proposed " consent '' final judgment, which its attorney slipped to the judge face-down, and which specified a total of {>= $1,000,000}, which was {$240000.00} more than I had agreed to pay. 

Nationstar had illegally modified the terms of my loan agreement by adding fixed-rate interest of {$140000.00} dating back to more than a year prior to the foreclosure initiation, plus I later learned that Nationstar had made a {$60000.00} unauthorized withdrawal from my Trust account a few days prior to the foreclosure hearing, and it charged me {$41000.00} for for windstorm insurance, which was specifically excluded from my loan agreement with XXXX.
XXXX from cbhv called about a medical debt I believed was paid last year by to another debt collection agency or to health quest directly. I asked her to return it as a dispute and she said she isn't going to do anything basically insinuating I was a dead beat she said obviously your not doing anything about this I again requested a dispute she again insulted me and hung up
Navy Federal Credit Union is who complaint is against. XXXX ( loan officer ) I was denied mortgage lending by Navy Federal Credit Union based on discriminatory practices. When I challenged Navy Federal about the decision I was told it was due to a collection item on my report for {$120.00} that turned out to be an error. I had been approved by 2 other banks using same credit report.
Bank  of America ( BoA ) purchased my mortgage seven years a go and has paid my home owners insurance from escrow every year until   XXXX   when they failed to make the payment. The insurance lapsed for non payment. BoA did NOT notify us of this. We had a pipe break after the lapse and when we contacted the insurance company they informed me policy had lapsed for non payment by BoA. I contacted BoA and they acknowledged receiving the declaration from insurance company but could not explain why they did not pay. BoA began changing their story but continued to provide no solution. BoA promises return calls but never has called me. They have done nothing to help with the damage. I call, they tell me to try and get my insurance company to pay. I have wet, sagging drywall, wet carpet and mold that is increasing every day. No response from BoA. This is a crime. Negligence in servicing my loan. Inhumane treatment.
Retrieval-Masters Creditors Bureau, Inc calling from ( XXXX ) XXXX is calling my cell a minimum of twice every single day including weekends. If I answer there is no person or message, I have no idea what these calls are referring to as my current credit report does not list them.
Our son was taken to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012 as an ER visit. We had insurance through XXXX XXXX at the time and the hospital failed to submit the claim to our insurance company, and has been asking us to pay out of pocket for the services even though the services were covered under our insurance. XXXX says they submitted a claim for {$1200.00} to the insurance company, and when I asked XXXX to explain to me why it was denied, they could n't provide a reason other than simply saying that it " was n't paid '' ; I believe it " was n't paid '' because it was never sent out not to mention that XXXX has no record of this claim amount for XXXX 2012 for our son. 

My husband I followed up numerous times with the hospital asking them to resubmit the appropriate paperwork to the insurance and they never sent the claim to the insurance, even though they reassured us they had. We tried everything possible to get the XXXX parties connected and appropriate documents sent over, but we are the middle men. I spoke with XXXX at XXXX today, and she confirmed that the only claim they received for our son for services in XXXX 2012 was a claim totaling {$670.00}, of which we were responsible for {$250.00} ( {$220.00} deductible amt + {$30.00} co-pay ). XXXX does not show any claim for {$1200.00} ; therefore it was never sent/received.
TransUnion, on their website has asked me for information in order to place a freeze on my XXXX year old dependent child 's credit file. The website asks for certain identifying information, which I have provided, however they are asking for more identification which is not inline with the website. One of the items that they now need from me is a certified copy of my child 's birth certificate their website asks for a copy of the birth certificate for proof that I have authority but not asking for a certified copy. I provided a copy, not certified as the law is clear that I should not have to pay for a credit freeze and this would cause me undue expense. Later on the page I am asked for identifying information for me and for my child one of the identifying pieces that I could give is my child 's ssn, which I provided on the letter that they received for request for freeze. I also sent a copy of my driver 's license as proof of my identification, which they asked for. I had sent the three items they asked for but now they are saying that they want more proof. I feel that they are not living up to the law and are attempting to not put a freeze on my child 's file so that they can continue to sell his information. I am only requesting these freezes on my family 's credit as to protect lenders from being ripped off as I am not afraid of identity theft, it's not my responsibility to protect the banks, it's their responsibility to not get defrauded. However, I am doing my best to be a good citizen and help the banks to not get ripped off and TransUnion is going out of their way to not honor the new law for a no-cost credit freeze. They are attempting to cost me undue expense for " certified '' copies of documentation. Please do what you can to make sure that they provide no-cost credit freezes without undue expense. 
After speaking to a person at TransUnion, they made a note that I had provided what was asked on the website but I am now being asked for more information. I have offered to fax them more documentation and they handed me over to a supervisor. The supervisor was little help and said that I'd have to call back because they could not access my son 's file at this time and that I should try again in a few hours. I am getting the run around on this and don't want to waste too much of my valuable time. Again, please help in dealing with this bureaucracy, thank you.
I have had a Capital One credit card for 8 or 9 years. Around XXXX XXXX, I had called to see if I could switch from a Platinum XXXX to a XXXX card. I spoke with a gentleman that told me it was an easy upgrade so my interest rate would stay the same, card number the same, but with no more annual membership fee and 1.5 % cash back. Just now I realized my balance was higher than the last time I checked when I had not used the card. On XXXX XXXX, XXXX I was charged a {$39.00} membership fee. I looked back and was charged the same thing in XXXX XXXX. I checked the Capital One website and saw clear as day under the XXXX card description that the annual fee is {$0.00}. I called them this evening XXXX XXXX/XXXX/XXXX XXXX and spoke to 2 people that both told me they have a membership fee on this version of the XXXX. They refused to fix the problem and claimed that I must have agreed to it because all the representatives have to disclose that this is a different version of the Quicksilver than what is advertised. I was blatantly lied to and signed up for a card that I was not clearly described in that phone call. I should have been made aware of this especially because I told the sales representative that I was looking to get rid of the membership cost. Not only are they unwilling to change my card to the right " version '' of the XXXX, but they refused to waive even one of the fees. I feel not only was I lied to, but many people are being tricked into this card by looking at the marketing online.
I recently discovered XXXX fraudulent accounts along multiple fraudulent charges on some of my account. I disputed an account the credit bureau after I contacted the company ( Account # XXXX ), XXXX Case number : XXXX. I finally received a letter from XXXX stating that the company will not investigate because sometime notification are sent in error by credit reporting agencies. I will attached said letter and will stand by for further guidance.
Hello XXXX XXXX continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth XXXX XXXX has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I am not XXXX. I get frequent calls from businesses and creditors looking for him. I do not know him. Some businesses continue to call even after I 've told them this is not his number and I do not know him. I have even been called a liar. Today, a woman who identified herself as XXXX from American Collection Services Inc informed me that she or her company will continue to call because XXXX gave this number. She says that as long as this number was provided they can call because it is not their fault. I told her that I would file a complaint if she called again. She said go and ahead and file it because they will call again.
RE : XXXX XXXX XXXX. XXXX  XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX Original Loan Total That I was Misled on Would Total {$18000.00} Because of Intrest and a 70 Month Term Payment. 

Payments Made XX/XX/2018 {$600.00} XX/XX/2018 {$430.00} XX/XX/2018 {$200.00} XX/XX/2018 {$340.00} XX/XX/2018 {$250.00} XX/XX/2018 {$210.00} Transaction Date : XX/XX/2018 Amount Paid : XXXX Payment Method : Credit Card {$13000.00} charged off against my credit score XX/XX/2018 No record of payment. Not willing to disburse new payment program or loan details. Unauthorized GPS placed on my vehicle. Refusal to off access to online account. Incorrect reporting on XXXX  Credit report
On XXXX XXXX, 2015 XXXX XXXX called indicating that I owe XXXX XXXX XXXX an amount over {$500.00}. I asked where did he get that figure from and he said it 's allegedly what I owe plus fees. He further indicated that I committed fraud and that Ace will pursue me if I did n't make a payment that day. I asked him to clarify what he meant by pursue and he said that ACE would levy my bank accounts and paychecks. I mistakenly made a payment without researching his company which he failed to mention at the beginning of the call. He said I could settle the account by paying {$270.00} and I asked for an email stating that the account is resolved and that there would be no further obligation. I called back on XXXX XXXX because I had n't received the email. He said he would have his administrator send it in that moment. That e-mail never showed which is when I became suspicious. The number he called from was unlisted. I called XXXX and was told I allegedly owe {$250.00}, they had no idea who XXXX ( entity listed as taking the payment ) is and that a company called XXXX XXXX is handling the case but it could also be resolved on their website. I called my card company to start a chargeback and the company has refused to reverse the payment from XXXX attempts so far. I have been getting calls since then from XXXX XXXX which are saved to my voicemail. He XXXX stated I need to tell my sister there 's a problem with the payment. My sister has nothing to do with this situation. In the second call he says there 's an attempt for a chargeback to call back. Today XXXX XXXX, the number he calls from shows up on my caller ID as Executive Acquisition and when I look up the number it 's a cell phone. This time he says " they are going to press charges because you gave them a fake checking account and you committed fraud ''. This is indefinitely a false accusation. He does n't even say XXXX so who is he referring to when he says they? In addition, he fails to say his name or where he 's calling from but I recognize his voice because he 's the only person who 's been calling. At this point I do n't know who this company is or who they are representing. I 've also seen other complaints about all three of the above mentioned companies with the exception of XXXX. I want my {$270.00} back and will deal with XXXX directly. I need help to stop these people and get my money back.
My home was foreclosed and sold on XX/XX/2015 with the sale price paid off in XX/XX/2015 yet the mortgage company ( Caliber Home Loans ) still shows a {$59000.00} balance on my credit report. I filed a dispute with the credit report agency and Caliber affirmed the balance still owing.
I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XXXX  and 60 days late for  XXXX  and  XXXX . This was the report I received from the Credit Bureau Transunion.   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have  XXXX   XXXX   XXXX  take off all the late payments because I was never late.
I AM APPEALING THE LOAN MODIFICATION THAT WAS OFFERED ME BY SPECIALIZED LOAN SERVICING based on my income. 

My business, XXXX is mainly a cash business as I purchase goods here in the US and sell in my native country, XXXX. My son who signed for the mortgage with me has quit claimed himself off the property as he has moved out and started his own family. It is now left up to me to pay the mortgage. 

Specialized Loan Servicing did not even lower the exorbitant interest rate of 8.250 and with only 151 months left on the mortgage, there must be some way that they could make this mortgage more affordable. Either by extending the terms or lowering the interest rate. I want to keep my home but I will not be able to unless the private investor who owns my loan has some mercy and decides to work with me. 

I would like to be considered for a HAMP. I have never had one and I understand that Specialized Loan Servicing receives money from the government to extend this type of modification to it 's customers.