WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased my house in XX/XX/XXXX and after 2 years my payments went up, so I called Wells Fargo to find out why this happened. That is when I found out that I have been given a XX/XX/XXXX with an interest only loan and an XXXX intrest rate. Tried getting a loan modification through Wells Fargo but they stawled me and did n't do anything about it, by that time I was served a summons of forclosure and my second mortgage had file a lawsuit having my bank accounts frozen. This all lead me to a Chapter XXXX in XX/XX/XXXX and XX/XX/XXXX I received a forclosure sale date. To stop this I had to file a Chapter XXXX, so here I am facing an obligated trial plan of {$3300.00} for just the first loan and with a hearing date of Monday XXXX, XXXX and obligated to take this payment to save my home. 
This was my American Dream to buy a home and have a Bank ( Wells Fargo ) destroy my financials and on top of this if I accept the trial plan I would be forgiving them for everything they put me and my family through and on top of this losing our home.. 
I have hired attorney 's and loan fraud audits but Wells Fargo do n't care the just proceeded with the foreclosure process. I asked my attorney if he can present an offer since I am willing to make payments of {$2500.00} for 30years but he does n't want to present it. This is unbelievable.
I filed 2 previous complaints and the information provided by Experian in response attempted to obfuscate the issue. I also just learned that Experian has retaliated against me for filing complaints against them and lowered my credit score again. They first lowered my credit score in XX/XX/XXXX in response to my requesting a Security Alert and a Security Freeze from XXXX and Experian. Experian has not addressed the question - at Experian, can an individual 's FICO score be negatively impacted if an individual requests a Security Alert or Security Freeze from a credit bureau? 
The question the CFPB should be investigating is why is Experian lowering individual FICO scores when the individual requests a Security Alert and/or a Security Freeze in response to the XXXX breech. XXXX responded that they are not responsible for the FICO score and that their algorithms are so complex that they do n't know how a person 's credit score is calculated. After filing my complaints, they further lowered my credit score in retaliation. I have only 2 credit cards. I pay off my 2 credit cards each month ( if I have used them ) and never have a balance carry over. I have no debts other than a mortgage and have never been late for a bill, mortgage or loan - never. And Experian lowered my credit rating twice - it appears now that it is a retaliatory action. It is ridiculous to respond that it is the lender that determines the FICO score. I get my credit score through my credit card. I have learned thru an elected official 's office that they have received the same complaint from other constituents.
Capital one credit card used for 2 weeks, restricted for more than a year ago and asking to pay membership fee, I paid the membership when the card opened and did not get the money back, not even can close the credit card.
In XX/XX/2010, years after having XXXX, my XXXX again, forcing me out of work. Seeing a potential problem on the horizon, I contacted my lender, XXXX, to get into the HARP program. I filled out the required documents, and met the requirements for HARP. I spoke to the bank rep that worked with HARP/HAMP. He asked me " are you having problems making your mortgage payments? '' I replied that things were tight, and that is why I wanted to refinance the mortgage and equity loans. 
Unknowingly, I was put into the HAMP program, and was told to make reduced payments for a trial period. I did this, not knowing any better. About five months later, I get a package in the mail, stating we had been accepted into the program, and our mortgage payment would be about {$120.00} lower then the original monthly payment, and the loan would be extended for 40 years. That would have me making payments until I was XXXX years old, and the XXXX was more then I was paying during the trial period, and would be swallowed up with the next property tax and insurance increase. I opted out of the program. By this time I had been notified that this was HAMP not HARP, and because I was making reduced payments, I now had a history of late payments and was then, no longer eligible for HARP.
I transferred money both through online banking and teller transfer with bank of America to another bank of america account which later turned out to be fraudulent. I filed a police report with the local police department and there is warrant out for the persons arrest with that account. I filed a claim with bank of america and they didn't do anything about it. I called again to the police department and they said file a complaint with bank of america because they should do something about it
I called USAA consumer service on XXXX XXXX XXXX to question the continued interest on a XXXX cash advance and was told nothing could be done to rectify to matter. 

I 'm a veteran and I feel I am being cheated and was misled in regards to the use of a USAA credit Cash advance feature. I took out XXXX as a XXXXash advance in XXXX. I was told that the repayment of the XXXX would be applied first from my monthly payment and that I would have to pay interest on the advance until it was paid off. This is acceptable, but now I 'm find out I have to pay interest on the XXXX until the total credit card balance is paid off. USAA is charging interest on the credit card balance and plus charging interest for a XXXX  cash advance that has been paid in full for the life of the card. DOUBLE INTEREST! 

If USAA disclaimer was made clear, I would not have accepted those terms. Who would? 

They said that they read the terms explaining the interest on the advance continues until the Purchases on the card was paid off, I disagree, it was ( the cash advance ) until advance balance, not the full card balance.
I have been getting calls everyday since the end of last year stating they were a legal firm in my maiden name XXXX XXXX. My first call came from a XXXX XXXX on XX/XX/XXXX. After I got one call, they proceeded to call my family members. They started calling me, and on the same day of XX/XX/XXXX at XXXX. They stated their name is XXXX XXXX, stating that they were putting a judgement on me and would have legal documents for me to sign. They proceeded to call my sister with the same message. I asked that he would stop calling my family members. I asked for the name of their company, and they didn't give me a name of a company except that they were a legal company. I asked that he would send me proof that I owe anything, he stated that he doesn't have anything to send me because he was about to put the judgement in for me. I proceeded to tell him that I would pay or work on anything until I got paperwork showing proof. He told me again that he couldn't. I told him that I would contact 5/3rd bank myself to find out exactly what I owed. He gave me a number, however that was not the correct number. I ended up calling the bank, and they stated that it was collections. Which they gave me a phone number, which they told me they couldn't find an account for me. When I talked to him again, he stated that he was able to find my family members info by searching my social online. I stated that was against the law, and he said that is what they did. Since then, they have called my dad which my dad hung up because the gentleman was rude and had no information for him.
I noticed a fraudulent account on my credit report. Prior to learning the correct process to have issue corrected I submitted a letter to Walmart/Synchony please see below : Enclosed is a check for the alleged balance for the above mentioned account. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX & XXXX XXXX and any others your currently reporting to. 
3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

Upon cashing this check you have 30-days to comply with the above. 

Notice to principal is notice to agent, notice to agent is notice to principal. 

I mailed check # XXXX for {$520.00}. This check was cashed on XX/XX/2018. Since the check was cashed you agreed to the terms of the letter and the terms written on the check. Please remove and and all derogatory reportings from all three credit bureaus.
I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX  and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization.

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX onXX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX  # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Please contact me if you have any questions.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX  Email : XXXX XXXX
I Called Experian And Asked For My Annual Credit Report Like I Do Every Year And For The First Time Ever They Refused Citing That Because I Moved Recently That They Need To Verify My Change Of Address ( Out Of All The Times I Have Moved This Is The First Time They Are Refusing To Let Me Have My Report Based On Me Moving ) I Tried To Give Them My New Address They Again Refused, Gave Them My Old Address And ALL Info For Verification And They Still Refused Saying That Either Need A " Creditor '' To Verify The New Address ) Or Send A Copy Of My Driver 's Licence And Social Security Card Which I Do Not Feel Comfortable Just Sending Through The Mail To And Risking Identity Theft Just To Prove Who I Am, And Them Asking Me To Risk Identity Theft, That Is Just Wrong.Asking The " Creditors '' Would Be Perfect, Please Call The Hospital Where All Bills Originate From ( XXXX XXXX XXXX XXXX XXXX And Ask For Verification Of My Current Address ( You Could Ask The Collection Agencies Also As I Am Sure They Have My Current Address Also ) And Also My Current Address That I Need Experian To Change It To Is Also The Address You Will Be Answering This Complaint To.Thank You.
I mailed Experian a letter since XXXX XXXX, 2015 and till this date they have not responded back. I followed up with a XXXX later dated XXXX XXXX, 2015 and they have also failed to respond.
AMEX XXXX XXXX XXXX XXXX TO HARASS US WHILE COLLECTING A DEBT BELONING TO XXXX AND XXXX XXXX. KEPT SKIP TRACING, CALLING WORK, CELL AND HOME NUMBERS.AMEX IS IS LABELING THIS AS MY HUSBAND DEBT FROM CHAPTER XXXX BANKRUPTCY MORE THAN 15 YEARS AGO.THEY BOTH ARE VIOLATORS OF FDCPA, S.O.L. TCPA ETC..
I had a Citi Double Cash Mastercard and I was a very good customer, always paying my bill in full and never carrying a balance. Citibank suddenly closed my account XX/XX/XXXX and I lost {$100.00} in cash back that I was entitled to as a result of purchasing and then paying off {$5300.00} worth of charges in XX/XX/XXXX and XX/XX/2016. The DoubleCash card offers 1 % cash back when you make a purchase, and an additional 1 % cash back when you pay off the balance charged. I complied with these terms but I could not redeem my cash back because my account is closed. I have called Citibank about this multiple times but they say the account is no longer active and that my rewards can not be accessed. I feel that this is a gross violation of the terms of this credit card. Citi has blatantly seized my rewards for no reason, and if they are allowed to do this to me, they can do it to anybody on an arbitrary basis.
XXXX XXXX XXXX is trying to collect a shared private school debt of $ XXXX from myself only. They have yet to show me proof of signatures on these loans or the proof of the exact amount owed. This entity is currently under a law suit by the federal government and I want to make sure they arent coming after me unlawfully.
I received a bill on   XXXX   XXXX   XXXX    , stating that I had a bill due on a card for {$170.00} for spending between the dates of  X/XX/17    -   XXXX     that I had n't received. I called  Citi  bank and they told that there was nothing that they can do to help me due to my phone number not being registered to me. They suggested that I go out and get a new phone number under an account in my name to verify who I am, so I did that. I called back and updated my information and they said their was nothing that they can do, that I must submit my Driver 's license, social security card, and my name with a bill on it in order to verify who I am to the fraud department. I did n't like it but I did it. I called back  XXXX  days later and spoke with several people and they told me that there was nothing that they can do other than verify me through a phone number. I 've went through and completed every step they asked me to and still I got no results from the company.
I have previously expressed my concerns to the CFPB about Moneygram 's discriminatory policies against latinos & received several phone calls from moneygram assuring me that they would not select latinos for extra scrutiny when sending money back to our home countries. Today, I went online to send money & again moneygram refused / declined my transaction. When I spoke to the customer service department, I was told that there is nothing else I can do & that their system security has flagged me as a money launderer. Really? Is this because I am XXXX or because I send money to my family in XXXX? This is news to me, since I have a great paying job & make several transactions a month wiringsmall amounts of money to my wife & children in XXXX. This company needs to be shut down or be forced to pay a very large civil penalty for what they are doing to XXXX & people of XXXX
They are making calls my job when asked not to do so. The last call was placed XXXX/XXXX/17. I work at a XXXX XXXX that does not wish to take these calls.
On XX/XX/2018, I received a debt collection letter from XXXX XXXX XXXX DBA Debt Recovery Solutions in XXXX, NY attempting to collect a {$290.00} debt that is clearly not mine. I contacted the company explaining that the debt is not mine, that I am not related to the debtor or beneficiary of the debt, and that I did not reside in the state where the debt was incurred at the time it was incurred. XXXX responded with a copy of the original invoice, showing the debtor is definitively not me, yet still demanding immediate payment.
I filed a dispute with TransUnion regarding an unknown account appearing on my credit report. I recently received the results of TransUnion 's investigation stating that the account is still listed under " Adverse Accounts '' on my credit report. Today, I called the creditor, and they have no record of my social security number in their system. Obviously, this account does not belong to me, and yet TransUnion has failed to remove it from my report. Moreover, TransUnion states that this " Adverse Account '' will not be removed from my report for seven years! 

This is not the first problem I have experienced with TransUnion. TransUnion also made reporting errors against my social security number on two other occasions : ( 1 ) 6 years ago, TransUnion listed an unknown-to-me individual as an additional name on my report. That report included not only a name, but also a full address and at least 3 adverse accounts. I disputed the report, and the information was removed. I thought the matter was closed. 
( 2 XXXX Last fall, TransUnion again allowed an adverse account listing to be placed against me. This was due to the SAME unknown-to-me individual as in ( XXXX ). Because of that error, I began receiving robotcall from a collections agency. Since I have been flooded with so many other robotcalls coming to my phone, I initially thought it was a scam. 

As a result of error ( XXXX ), I pulled my credit report, and I discovered incorrect phone numbers and the same incorrect address from ( XXXX ) were again listed on my credit report, so I went to the police. They concluded that it was a clerical error, and they said that someone had transposed the middle two digits of another person 's SS #, causing the mixup. 

I have no idea why or how this latest " Adverse Account '' was opened, and the irony is that it was opened two days after I put a fraud alert on my credit. ( That obviously did not help. ) I am at a loss for why TransUnion has made so many mistakes and I do not understand why this latest investigation was labeled " complete '', when the creditor does not even have my social security number in their system. 

This is completely unacceptable. TransUnion appears to have no clear process of identifying errors such as these. Their clerical issues have adversely affected my productivity, and I have spent untold hours trying to get resolution. There is zero protection to the consumer. 

TransUnion 's most recent letter states that I " may add a XXXX statement '' to my report. This is unacceptable. The adverse account that does not belong to me should be removed. I have not received a fair resolution. 

Thank you for your assistance.
I was informed XXXX certificates of deposits were closed as being dormant, even though they were rolled over just this year. The funds were sent to the State of New Jersey, though the state has no record of the transfer. Not only did I not think the accounts were dormant, I received emails from the bank ( Ally Bank ) when they were rolled over saying, " The loyalty reward at renewal is automatic, you do n't have to do a thing. '' XXXX CDs had a rollover within the last calendar year, which belies the bank 's claim that the accounts were dormant for 18 months.
On XXXX XXXX, 2016 CITIBANK STATED IN WRITING THAT I HAVE AN EXISTING CREDIT CARD ENDING IN XXXX FOR WHICH I FILED BANKRUPTCY OF WHICH IS FALSE, THEREFORE THEY REFUSE TO APPROVE ME OF A XXXX VISA CREDIT CARD. CITIBANK HAS FAILED TO PROVIDE PROOF THAT THIS CREDIT CARD EXISTS FOR WHICH I AM REQUESTING THATTHE BANK PROVIDE ME A COPY OF THE ACTUAL CARD AND ANY BANK STATEMENTS RELATED TO THIS ACCOUNT. 
IF CITIBANK CAN NOT PROVIDE ME THE PROOF I AM REQUESTING THEN THEY BASCIALLY LIED BY PROVIDING FALSE INFORMATION IN A WRITTEN LETTER THAT THEY SENT TO ME WHICH IS TOTALLY UNLAWFUL.
On XX/XX/XXXX, I purchased a money order at XXXX .upon me reaching my car, I realized my money order was missing. I immediately went back to the store. ( XXXX ) store clerk began calling Western union on my behalf. I was immediately able to obtain the form, and send them back the same day. Upon them receiving the forms, they requested me to complete an affidavit. I submitted on XX/XX/XXXX, western union confirmed receipt, and I was told, it would take ( 15 ) days, and I authorized them to take out the fee for a refund.. After ( 15 ) days, I attempted to reach out, and I would received different responses, in which cause me to belief, something is wrong. Originally, I was told that my refund is being process, and then I was told that they mistakenly cash the money order even at that I had submitted a stop payment on it .and should received the name of the person that cash it. But never did, and every attempt, I made to reach them fail as if they had caller ID. I m on XXXX an to be taken advantage of by western union is sad/ and a disagrace. I will continue to complain to my state officials as well as companies like the XXXX, to expose these major companies bad practices. 

Please look into this matter Sincerely, XXXX XXXX
I received an offer in the mail from TD Bank : Open a TD Convenience Checking account and earn {$150.00} when you receive direct deposits totaling {$500.00} or more within 90 days. Even though it was addressed to the former resident who hasnt lived at this address for 5 years, on XX/XX/XXXX I took the mailer to the local TD branch to see if I qualified to meet the requirements for the offer. I showed the bank rep ( I believe the persons name is XXXX XXXX ) the mailer, and after he did some research, he said that I qualified, so I opened an account and then set up direct deposit. After 90 days, I hadnt received the {$150.00}, so I called the bank. XXXX told me that it could take up to 125 days from account opening to receive the offer. On XX/XX/XXXX, I still hadnt received the {$150.00}, so I called the local bank and spoke to XXXX again. This time, she told me that since my wife once had an account with TD Bank, that I did not qualify for the offer. The person that had opened the account for me told me that I did qualify. It is not my responsibility to verify if I qualify for the offer ; it is theirs and they should perform their due diligence before telling me that I qualify.
On XX/XX/XXXX18 we called in for a payoff amount. We were given an amount of {$2000.00}. We electronically made that payment. At the time of the inquiry we asked when can we expect to receive the escrow money and lien releases. We were not told at the time that the escrow money was included in the pay off amount. We received the lien release and a check of {$2.00}. We called in today to inquire once again about the escrow balance of {$870.00} We were told it was included in the payoff amount.

We have paid off other mortgage 's in the past and never has the escrow been included in the payoff amount. It is a separate account and should be explained up front that the escrow is part of the payoff. We feel this is shady at best and may need to be investigated by the proper authorities.
I received a loan from payday lender XXXX on XX/XX/XXXXin the amount of {$970.00} with an interest rate is $ 772.94 %.
I contacted the lender in XX/XX/XXXX to request an extension for the {$290.00} that was scheduled to be drafted from my account on XX/XX/XXXX.
I spoke with a Representative named XXXX*****. He agreed to the extension and to submit a {$250.00} payment to my bank on XX/XX/XXXX. When I advised that I would be filing a complaint with the Federal Trade Commission, he came up with a new payment plan.
I feel like I am paying double the amount that I borrowed ; here is why : Loan amount of {$970.00}.
1st payment {$330.00} on XX/XX/XXXX 2nd payment {$290.00} on XX/XX/XXXX 3rd payment {$290.00} onXX/XX/XXXX 4th payment {$250.00} on XX/XX/XXXX Total {$1100.00} The new agreement is {$250.00} to be paid on XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX. Final payment of XXXX onXX/XX/XXXX
Essentially, that is an additional {$970.00} which is the same as the loan amount. Currently, I am unable to pay more towards the principal or pay off the balance.
I feel as though I have no other option with settling this loan, and that I would have been better off making payment arrangements for the bills that led to borrowing from a payday lender. NEVER AGAIN!!!