WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I have tried repeatedly to get XXXX XXXX to report correctly on both my mine and my husband 's credit reports. We had to file chapterXXXX bankruptcy in XX/XX/XXXX. We put the past due balance in the bankruptcy, but we continued to pay the current mortgage directly to XXXX during the 5 years of the bankruptcy. We made consistent, on time payments the whole 5 to date. They reported the account closed during the 5 years. After discharge in XX/XX/XXXX they still showed our account closed. I disputed it, because the account was never closed. They said they showed it closed because of the bankruptcy. They corrected that and now it shows the account opened, but they still refuse to show payment history prior to discharge. They made sure to put the past due payments on there prior to filing bankruptcy. This is still effecting our credit negatively on top of the bankruptcy itself. We are trying to move forward and have worked hard to repair our credit these past 5 years, establishing an impeccable payment history, but they are continuing to punish us, by not acknowledging it on our credit reports. Please HELP!
I am trying to pay my student loan and Navient is very limiting in options for re-paying, despite the fact that I have been able to actively pay on time for the past 2 years. I am a home owner now and there are no options to make this more feasible - where I just get the same amount of around XXXX a month. They only give me XXXX options - pay or forbearance. These are not realistic options. I understand that their agents need to close a call quickly ( I guess it 's a goal of theirs ) but they also need to take more time with their customers and give them better options. I 've even considered bankruptcy ... please help.
This company has two charge offs on my reports for accounts that were never authorized by me. I have disputed them as well as contacted the credit companies directly. I did not sign up for any credit cards nor did I use them. After reviewing the update report I also notice 9 inquires that I did not authorize. 

1. XXXX XXXX Unverified Account/ FRAUDULENT 2. XXXX XXXX ( XXXX XXXX ) Unverified Account/ FRAUDULENT UNAUTHORIZED INQUIRES 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX /XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX
End of lease return for XXXX XXXX was due XX/XX/XXXX around XX/XX/XXXX, I noticed online terms said 3 year XXXX mile, but the contract we signed and executed said XXXX miles. I contacted XXXX immediately ( via chat ), and they said I would have to discuss with dealership. 
XX/XX/XXXX, we returned the car to the dealership ( XXXX XXXX ) and they said they would look into it. 
XX/XX/XXXX XXXX XXXX from XXXX XXXX said I needed to submit the final liability statement to him and that he had received approval from XXXX to credit us for half the over mileage fee ( car had XXXX miles ). 
XX/XX/XXXX I responded stating that half did not make sense to me. I signed a XXXX lease agreement, why should I pay for mileage I didn't agree to. This was for my daughter while in college ( 5.5 hours a way ) and we knew she would need more than XXXX miles. In fact, we bought an all-inclusive warranty product through XXXX that went through XXXX miles. 
XX/XX/XXXX XXXX responded with documents from the point of sale ( typical car dealership notes on paper ) saying XXXX was agreed upon. I had already discussed with him in person that we discussed both options in the initial sales discussions. He could not produce an executed contract that showed XXXX miles. 
Around XX/XX/XXXX, I received a call from the original salesperson asking what I intended to do with the car. Now I am really confused ... I emailed XXXX and the general manager asking what was going on again? 
I followed up two more times ( XXXX and XXXX ) wanting to know what was going on? I started receiving collection calls from XXXX finance. 
XXXX, XXXX XXXX, the general manager responded to my email saying the lease was returned and grounded and any remainder in balance would be sent to me by XXXX XXXX. 
XX/XX/XXXX, I received my final liability statement. It now includes the entire mileage overage charge of {$1300.00} ( XXXX miles ) and is due on XXXX. I am being charged for mileage I paid for through the lease contract. In addition, the process of " turning the car in '' was unclear, not efficient, and took way too long. I feel as though turning the car in is a bad thing and they want to use the initial contract to force me into another XXXX product. That was the very first question I was asked when I told them about my contract issue. It seems very deceptive and unfair for the consumer.
I have attempted to contact my servicer of my student loan, Navient, several times over the last 2 years regarding changes to my monthly payment. Periodically, the payment will decrease but I noticed when it does the principal starts to increase and I never can get ahead. I was encouraged by a Navient agent to utilize forbearance at one point when I was having financial difficultie. I then took out additional loans for XXXX school, some in excess of what I needed at the encouragement of both the school and Navient. When repayment began the payments were exorbitant and I was told repeatedly and sometimes with belligerence that I was not a candidate for income repayment. We have, however, not missed a payment since repayment began, but the changing monthly payments are making it so that the loan will never be paid off. I do n't know how much longer this can go on before we too default.
I filed a complaint with the CFPB with this issue before but sadly Bank of America doesnt want to refund my money they want me to drive from XXXX California back to XXXX XXXX NM to talk to the bank manager about the mistake that Bank Of America made by putting {$200.00} cash into some one else account and refuses to do anything! when Bank of America investigator calls me every time she does I was at work. Until today XXXX XXXX,2017 an she read me a scrip and every time I complained she would say I understand and go back to the scrip this is not good customer service! I want my money {$200.00} cash back if they refuse to give it to me 1 more time I will sue Bank of America in Small Claims court for being negligent. If we go that route I will be asking for {$35.00} in late fee plus interest and court costs. I 'm tired of Bank of America thinking there above the law because there a big corporation. They need to be held responsible for there actions!!!!
I have tried disputing with XXXX there is a mortgage loan of $ XXXX on my credit for a property in XXXX XXXX XXXX, California. I also called the mortgage company MR COOPER and notified them of probable fraud, I sent my an email with my license and social security card to prove my identity. I do not have a mortgage at all. And the mortgage company ignored me and proceeded to not help me at all. I cant even rent a home or buy because of this negligence to verify this information.
Synchrony Bank- Amazon has denied me statements and my full account number. When I complained about my account status and not having full account information they blocked my online access to my account altogether and I have screenshot to prove. The XXXX time I tried to contact them by phone I had to go through horrible automated system and then wait XXXX minutes on my lunch break and never got through. The XXXX time I tried I got through and when I told them I was worried about my account and that I was worried about its effect on my credit report, the agent avoided my concern. I was told my account has been open since XX/XX/XXXX. I told them this could n't be I never heard of Synchrony bank until they started leaving me voicemails beginning of XX/XX/XXXX. After researching it found out that Synchrony was formerly GE Capital Retail Bank and I was n't notified of the bank name change either. What the agent said next was terrifying, he mentioned my XXXX credit card. How did he know I had a XXXX credit card? I did n't disclose any such information to him and he should n't have such information. I did n't want to draw attention about this suspicious business practice so I did n't mention anything more about my unrelated XXXX card. I am so concerned about this company 's seemingly illegal practices I am going to send a request to XXXX to have Synchrony Bank barred from my credit report altogether.
We have had a very difficult time with Select Portfolio Servicing ( SPS ). We had to file a bankruptcy to avoid a foreclosure. We are finishing up with the bankruptcy and SPS has given us a modification. The modification payment went up {$2400.00}!! We understood that the payment may be higher but the not that much. We asked SPS why the payment went up so much, and they said they didnt know. SPS also would not tell us how much went to the principal and how much went to interest. SPS would not tell us the interest rate and we have to take this modification. Very important to know. We are NOT PAST DUE on our mortgage. Our bankruptcy caught us up. We have confirmed this with SPS. How is this legal? This seems like predatory lending practices!!
I noticed an unauthorized hard inquiry into my credit on my Equifax Credit Report. I disputed it, and roughly XXXX days later, they said they completed the investigation and left the inquiry on my file. I told them it is fraud, and I had contacted XXXX who confirmed someone had used my SSN and Name to open an account with them. Equifax refuses to do anything further about it and is dumping the problem totally on me. The only reason anyone was able to GET my information was BECAUSE of the massive Equifax data breach -- they need to be doing more to help people who have been impacted by the data breach and have had their information stolen.
I was in a XXXX a XXXX when this accured. This is over 7 years old. Please send me more info on this. My sister had all my credit cards when i was in the hospital at XXXXXXXX, XXXX am disputing it Because I dont know anything about it.
I have been getting phone calls by various locations several times a day back to back to back. I do n't answer random numbers so I blocked some and just let others ring for weeks. After about two months i decided to answer it and it was my Bank ( Bank Of America ) calling from an automated line and I was furious after finding out that it was an automated line blowing up my phone for months. This was a call to collect a debt. I was so confused what I was in debt for so I called the number they gave me. I 'm always so scared to fall behind on my credit card which is why I set up automatic payments to come straight out of my XXXX debit card to pay my BOA credit card. So I decided to call and after waiting on hold for 10 mins they had told me that my credit card is almost {$700.00} past due. How is this possible when my credit card limit is only {$500.00}. I should have only only had about a {$200.00} balance on this card. They never told me that those automatic payments expire after a year. They had all the wrong information in there system. They had the wrong address so I was not getting the statements to be warned I was missing payments. The lady I spoke with had told me I can have these late fees waived and I said yes absolutely, however i would have to pay the initial {$200.00} balance before waiving the fees. I paid the balance off and updated my info in the system and she said I would get my new statement in about a week. I finally got it today which was about three weeks later and it still says I owe {$350.00}. Futhermore they set up my automatic payments again to start paying for the late charges. The fees were never waived and I dont think it is very fair that I owe them this money when I received zero notification of the late fees and the fact that my automatic payments expired. Not to mention in the process of this they revoked this credit card, so I have no credit card anymore and they still expect me to pay these fees when Ive already paid what ive used on the card.
I received a letter from them stating I was n't responsible for paying the debt anymore due to the statue of limitations. I have requested information validating that I owe the amount on this account on two occasions and they have failed to do so. They notified the credit reporting agencies that it was validated, but proof has still not been submitted to me.
Amazon offered a store card issued by Synchronycredit.com, which I signed up for. 
During an Amazon checkout, I was offered a " deffered interest '' promotion using the Synchronycredit.com card on an item that cost {$160.00}. The terms were that if you paid the balance by the end of the promotion you would be charged no interest. I called Synchronycredit to confirm that payments made in the meantime would go toward interest-bearing purchases first. They confirmed this. I then received a bill showing that I was charged interest, which was then rounded up to a " minimum interest fee. '' I called Synchrony and was told that my payment was " split '' between deferred and non-deferred balances, and that in the " first two months '' that would happen. I went to the website and found the card terms that explicitly state my payments should go toward the non-deferred items first, and that this would only change in the *last two* months of the deferred balance period. Synchrony agreed to reverse the interest charges, but they never fully explained why this happened. If they did this to me, they are probably doing it to other customers ; and if they did this to me once, I ca n't trust they wo n't do it again. If I cancel the card, it looks bad on my credit to have a briefly opened account. I feel stuck with a company that is behaving fraudulently right off the bat. They are scamming people out of " minimum interest '' fees when those fees should not be charged according to language in their own card terms. Here is their exact language regarding this ( my promotional balance expires in XXXX, so we 're nowhere near the last two months ) : Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration.
Balance {$200.00} Balance Updated XX/XX/2017 Balance {$730.00} Balance Updated XXXX  Balance {$200.00} Balance Updated XX/XX/2017 XXXX XXXX/ XXXX XXXX XXXX This company has reported this account 3 different ways on my credit report and it was reported not correct. According to The Fair Lending Credit Act it has to be reported accurately. And it was not until I reviewed my credit report that I noticed the mistake and I had XXXX XXXX look into it, However they deleted 2 accounts and undated one to the {$730.00} and that balance was never reported until they were contacted about ALL the mistakes with the account and how it was reported, They the company has VIOLATE my rights and the Fair Lending Credit Act.
My student loan was through XXXX. At some point servicing was transferred to American Education Services XXXX AES ). I have never received a statement or bill for payment from AES. Approx 4 weeks ago, my wife as co-signer received a letter from AES indicating payment on the loan was past due. On that letter my name was listed but the address for me was in XXXX. I live in XXXX. I have never been to XXXX nor do I have any association with anyone in XXXX. AES was contacted. I was told that the information they had received from XXXX was incorrect and they had been sending my statements to the XXXX address. I was told everything would be fixed. Within approximately one week, I received a letter from AES indicating my loan was in deferment. On XXXX/XXXX/15, I received a letter from a collection agency " XXXX XXXX '' indicating that I had failed to make payments and the loan was at risk of charge off. I contacted XXXX and was told that my loan was 99 days overdue with charges accruing. I have never received a statement from AES indicating payment was due. In my phone conversation with AES approx 3-4 weeks ago, I was never informed there was a problem with payment. The letter sent to my wife indicating the payment was overdue was based on a loan associated with the individual in XXXX with a different social security number and address. Since the loan is showing past due it has affected my credit score as AES reported 30, 60, and 90 day lates.
I received a letter on XX/XX/XXXX that is deceptive stating that my mortgage rate is expiring - actual quote " Because the rate on your loan will expire ''. My mortgage is an adjustable rate 30 year term originated in XXXX so my rate is not expiring but will reset in XXXX in accordance with my mortgage terms. They also frequently call and email me about refinancing which is harassment because I do not want to refinance at this time.
I am reporting this len der ( American Credit Acceptance LLC ) for Usury, concea lment of documentation, and Deceptive/Fraudulent Lending Practices. On or about  XX/XX/XXXX  I purchased a car at the  XXXX   XXXX   XXXX . The lender wa s American Credit Acceptance LLC. T he interest rate on the loan was 28 %, however the dealership explained to me that I could always make a payment to Principal only in order to pay the loan down faster. In the following days I spoke with  American Credit Acceptance direc tly and asked them about the terms of the loan and also if payments could be made to Principal only. They confirmed to me over the phone that Principal only payments were accepted. From this point I have always paid the car note on time using their online payment system ( which charges an abusive and additional  XXXX  dollars per month to use ). On  XX/XX/XXXX  I calle d American Credit Acceptance to  ask again if I could send a payment to Principal only and was informed I could. I then mailed them a {$7000.00} cashiers check from my credit union with the words " Principle only '' plainly written on the check. The payment posted to my account on  XX/XX/XXXX , but to my dismay they took interest from the payment. I immediately called the Lender to voice my concern but was told sternly that no matter what they had told me before, they would not adjust the payment because they do not accept Principal only payments. That same day I received a return call from the lender acknowledging that they had previously told me that the accepted Principal only payments, however regardless of their previous statements, they no longer accept them. Upset, I contacted the  Dept. of Consumer Affairs who then referred me to the State Dept. of Business Oversight. The DBO ex plained to me that this lenders license, number  XXXX , was revoked in the State of California on  XX/XX/XXXX   ( n early 1 year before I signed the loan contract ). For these reasons I contend that this is a fraudulent loan established on deceptive terms at an interest rate that amounts to usury in t he State of  California. I have been diligent to keep up with these abusive payments and my credit worthiness is at stake. I believe this company is deliberately making the repayment of this loan through excessive fees and a loan shark interest rate oppressive to myself, a vulnerable borrower. I am concerned that this unlicensed lender may have many other victims in the state of California.
Countrywide Bank, now owned by Bank of America, did not provide ANY answers to my request for a loan modification in writing. The only resolution was done by phone and the employee told me several different answers as to the status of the loan modification. ( anything from " Yes, the modification was approved '' to " the modification is being reviewed and to check back with them in a couple of months. '' Employees that no longer work at Bank of America have stated, " The unilateral ploy to answer customers is to provide stall tactics. " ) Countrywide Bank is the originators of the loan, and I am claiming that they conducted themselves with predatory loan practices by artificially inflating the loan to benefit Countrywide Bank. 
The loan value depicted the value of the home, and it led me to believe that if Countrywide Bank would loan me the money for the home, then the home must be valued correctly, to the value that Countrywide Bank placed on the home at XXXX XXXX XXXX XXXX XXXX, CA XXXX, at the time of the mortgage. If the bank will loan me the money for the home, then great, they have a lot more tools and a lot more resources to identify what the true value of the home is. 
Following this valuation from Countrywide bank, the true value of the home was discovered by the real estate market to be much lower. The original loan amount was for approximately {$580000.00} USD, and the true value was found to be approximately {$250000.00} USD, Countrywide Bank artificially and intentionally, inflated the value of the home so that Countrywide Bank would be solely benefited, without assuming any of the risk or attempting to correctly value the home with the necessary resources that was available to Countrywide Bank at the time of the loan. 
By Countrywide bank and the new owners " Bank of America '' using stall tactics and other means to not move forward with a mortgage modification or some other resolution, they have placed me in a position of very few options and none of them that are offered will have me remaining in the home. Now the options are a " Short sale '' or " deed in Lieu '' or foreclosure, and the loan modification that was offered places the value of the home approximately {$800000.00} USD, which is no where near the true value of the home. 
Bank of America needs to establish a true value of the home, and since it is their fault for not providing a suitable loan modification so that I could remain in my home, and this will cause me to be homeless. I have no good options to place me in a home with even half of the square footage, and I claim that Bank of America should have criminal charges filed on them for Predatory Lending, and any other laws that they have broken with this mortgage.
Equifax is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX.. XXXX/XXXX  Acct. # XXXX All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.
I opened a second checking account with Well Fargo for bill paying my account went negative due to unauthorized transactions and thereafter the account closed and was sent to a collection agency without notice. After contacting Well Fargo at its executive level spoke with a XXXX XXXX XXXX refused to oversee the matter in its entirety when I ask for her direct contact information she refused to provide her direct information only after I advised her that I would complain she then gave me her full information.