WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018, I inquired about paying off my loan. I was quoted {$630.00}. on Today, XX/XX/2018 I called to pay off loan again and was quoted XXXX because the payment could not be processed until tomorrow. I was told to contact them three days in advance which I thought I was doing. After finally asking for a manager and getting approved to pay off loan today for XXXX. i was than told they needed to verify my new bank account by calling my bank. Each time they placed me on hold for over 10mins and drop the call after and called back to say they still are trying please hold. I informed them I would be reporting this and for them to please process payment. I talked with XXXX who agreed to pay off and than to XXXX to process and he informed me of bank verification process. Finally I talked with XXXX who informed everything was ok and they will process. 

After an hour I received a voicemail message from XXXX again stating they now can not process my payment without bank verification. All I want is to pay off my loan.
I am writing to dispute a billing error in the amount of {$920.00} on my account from the merchant XXXX that was closed in error due to the incompetence of your dispute billing staff. The prescription lens were received damaged and replacement has been continually delayed. This was explained to your rude representative with the statement that the goods had not been received and the dispute should not be closed until they are received the vision check with the Dr . 

You incorrectly and prematurely closed the disupte and the lens when viewed on XXXX/XXXX/2017 were again cracked and again need to be returned.
I have a VA home mortgage with US Bank that began XXXX. Sometime in XXXX my wife filed a bankruptcy that included only things that she owned alone. Our home in which we live was never a part of the loan, and US Bank was assured that when they reached out to us after my wife filed. I am the Borrower, and my wife was the co-borrower. I did not know that US Bank would stop reporting on my credit report or my wife 's. I was never told this, and upon them finding out about the bankruptcy, US Bank reached out to us and we adamantly told them that our home was not part of the bankruptcy, but it was never implied, or told to us that they would no longer report our payments on our credit report. I was not a part of the bankruptcy and had no idea I would have this happen to me. My name is not on the bankruptcy file and I do not have a bankruptcy on my credit report. All of this came to light because I tried to refinance to obtain equity from my home, and found that I do not have a history of owning a home. In XX/XX/XXXX I did a refinance to adjust the interest rate from 5 % to 4.5 %. On my credit report, it established that I had the home for a year ( showing the refi ). But nothing after that. I filed a Dispute with XXXX and they came back removing the loan from my report altogether. I disputed through XXXX again and heard nothing, so I called. That is when it was explained that US Bank told them to remove the entire loan from my credit report altogether. I contacted US Bank, and they explained it was their policy that if anyone on the loan filed bankruptcy they will no longer report to the credit bureaus. I explained I was not part of the bankruptcy and that we never stopped paying for our home, and never ever late. I was told it did not matter that was their policy and that they will not report on any payments we have made in the past or any payments we make in the future. So I own a home and pay for it timely, but I my credit report will not ever show this. They said their policy states they will no longer report any payments. I was told because my wife used the address in which we live, that it was included in the bankruptcy, but when questioned about that, ( because my home was " not '' part of the bankruptcy ) the representative stated " I never said it was part of the bankruptcy, but our policy states we will no longer report when one of the borrowers files for bankruptcy ''. I feel it is unfair that the 9 years and counting of good credit history can not be reported on my credit report.
Citizens Bank reported me, rather my business which is an LLC to Chex Systems as " fraud closure ''. This comes up every time I try to open any sort of account for my personal or business whatsoever. I have a copy of my ChexSystems record and neither of which are on the file. The only record on my file is XXXX XXXX Bank and no one is able to confirm or remove something that is non existent anywhere on my file. The only thing I can think of is that it is under my Chex Systems business account consumer ID. The incorrect business is being reported showing corporation and viewing as " XXXX XXXX XXXX XXXX ''. My business is very similar just take away the " XXXX '' making it " XXXX XXXX XXXX, XXXX :. I am also not a corporation as Chex Systems are reporting with this file, I am an LLC. No one will update this and remove it from my file, name. and ssn! I will be contacting my attorney in the next 2 weeks if this is not resolved.
Why continue to ask the company like Experian which owns XXXX for information when they continue to kick you out of the program to ask for a free report and they say they CANT CONFIRM MY IDENTITY WHEN THEY JUST DID ON THEIR OWN WEB PAGE AND THEN TELL ME THAT I ALREADY RECEIVED A REPORT AND I DID NOT!!!!! I AM SICK AND TIRED OF CREDIT AGENCIES THAT ARE INCOMPETENT AND DONT CARE ABOUT MY CREDIT BUT CARE MORE ABOUT GETTING A MONTHLY FEE!!!! WHY AM I WASTING MY TIME.
I have had a mortgage with Wells Fargo for several years. Every month I pay more than the minimum amount. It always applied the additional payment to principal until this Spring. It then started applying the extra amount to later payments, collecting interest in advance and not applying the additional amount to principal. I have written letters, and now with each payment I tell them in writing to apply the extra payment to principal. They finally corrected their errors last month after several phone calls and letters. This month they did it again, even though I included a letter expressing telling them to apply the extra payment to principal. It is clear to me that several months ago it changed its software to misapply extra principal payments so as to collect more interest and so as to reduce principal more slowly than they should. I have had numerous conversations and written communications. They have even written me and said they have not done anything wrong. See the attached letter. It is obvious that this letter makes no sense. It admits being told how to apply the funds, and that they refused to apply the funds to principal. 
I am very familiar, of course, with the fact that Wells Fargo has been caught cheating with regard to opening accounts. This is just another unethical practice. Since it was a change this Spring, and since I now include a letter with each payment telling them exactly what to do and since they refuse to do it unless I spend a lot of time on the phone with them, I am confident that they are extracting small amounts from millions of people. I am also confident that this type of change in the software had to be approved at the very top. XXXX XXXX has to have approved this behavior. It is one type of intentional misconduct after another with this bank, and I have a large position in its stock.
Convergent  XXXX  has knowing and wrongfully placed a collection account on my credit reports with  XXXX  and  XXXX   XXXX  that does not belong to me, they continual to harass me me for my personal identification information and threaten to take further action against me for a debt I know nothing about.     I have not entered into any type of legal or binding contract with Convergent  XXXX  nor have I subscribed to or received any services from them. The identifying information which was provided to me by one of there collection agent does not belong to me and are not mines and I never have resided in the  State,   City  or address which the agent also provided. The information and account are bogus in nature and deliberately and wrongfully placed on credit reports.
Ocwen is trying to forclose on me and they have NO STANDING. because they are not the holder of the note in due course. And I want them and all who are involved charged with FRAUD.

1Lack of consideration contract was not 2 sided.

2 Non Disclosure of all facts about the use of my promissory Note with my signature.

3 they took my Note monetized it and put it back in their pockets as money and then charged me with a Bill of the same amount for 30 years plus interest.

4They converted the Promissory Note In to a security without full disclosure.

5 They Also put me on their ledger as a debtor. And clearly when they monetized the Note. I became the creditor. there for they robbed me from the begging. And I never received any Federal Reserve Notes from all of the transaction that have taken place.
I requested a 12 month forbearance towards my loan on XX/XX/2016. I received and email on XX/XX/2016 stating that my forbearance was applied. However, XXXX is has reported late payments over & gt ; 120 days which is inaccurate and causing a strain on my credit worthiness.
had a pay agreement to repay the loan. last payment made was in XX/XX/XXXX however, I have been unemployed since XX/XX/XXXX. I have been paying from my savings and have now depleted all sources of income. I have contacted XXXX XXXX on multiple occasions to inform them of my hardship status. after 90 days of non payment, XXXX XXXX has forwarded the debt to 3rd party collection agency OLIPHANT FINANCIAL LLC. I received written notice from OLIPHANT FINANCIAL LLC dated XX/XX/XXXX requesting a response to the collection debt. I contacted OLIPHANT FINANCIAL on Monday XX/XX/XXXX at XXXX and spoke with an EXTREMELY rude agent by the name of XXXX at XXXX. I informed XXXX of my current situation and stated I was unable to make any payments. XXXX was very rude and did not let me speak without interrupting. further more XXXX stated, her records showed I have a XXXX Credit card in which I could use to make payments. This sensitive information was disclosed to me without my consent to pull my credit report. In addition I did not authorize OPLIPHANT FINANCIAL LLC nor anyone representing OLIPANT FINANCIAL LLC to pull my credit. I question why they disclosed this information with out my consent and how would they know about this without unlawfully pulling my credit file?? I find the practices implanted by OLIPHANT FINANCIAL LLC in attempts to collect debt to be very unlawful. 
for the record this complaint is for OLIPHANT FINANCIAL LLC ( rep XXXX AT XXXX )
They are saying that i owe this debt, that they say i owe them. I have send " General Affidavits '' to them as well, and asked them to send me my signature baring that i owe them, they can not provide proof of contract stating that i owe them.I am seeking out a lawyer on this situation. Its has ruined my credit, all because of them not validating what i have requested for them to send me.
In XX/XX/XXXX I applied for a XXXX at XXXX XXXX. They subsequently issued a XXXX XXXX to me in XXXX. However, I did not apply for the XXXX nor did I authorize a second credit inquiry. This is the history of the inquiry. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX I phoned XXXX several times in XX/XX/XXXX to request the removal of the second inquiry. I kept calling and was finally told to write to the specific department. I was told it would take 30 days or less but I wrote to them in XXXX and have not heard anything. I followed up with the bank and was told that the department could not be reached internally or externally and they suggested I write again. It 's been two months since my first inquiry. I have spoken to several managers, written to them - all to no avail.
Im XXXX years old. I graduated from XXXX  in XX/XX/XXXX and University of XXXX XXXX in XX/XX/XXXX. I have a XXXX  in XXXX and XXXX in XXXX XXXX. I XXXX XXXX XXXX XXXX for 4 years and XXXX XXXX XXXX XXXX for 1 year. I then switched careers to the XXXX XXXX where I have been working as a XXXX  and XXXX  for the XXXX XXXX XXXX for 11 years. I have applied for loan forgiveness multiple times only to be denied. First, it was my loan was the wrong kind and I should consolidate. So, I consolidated. Then I had the wrong repayment plan. Its always something. I have been in public service for over 20 years total since before I went to college. I have paid off all my loans. I have literally been making payments for 18 years. I pay over 100 dollars a month. I have never missed a payment. I still have XXXX dollars to pay off. I am seeking loan forgiveness and I am just getting the run around. I should have been forgiving for my time as a XXXX  and again now as a XXXX. I need help with this. I have paid enough. There are some class action suits that I am looking to be part of. My loan used to be Sallie Mae and it is now Navient.
I am attaching a copy of the letter I mailed to XXXX, Experian, and XXXX XXXX on XXXX XXXX, requesting a credit investigations. To date, they have yet to respond. They are supposed to respond inside of 30 days.
I received numerous late payments on my credit reports as a result of a severe medical situation that caused me to go through a financial hardship. I know that even being hospitalized for extended periods is no excuse to miss payments, but it was a circumstance that I feel is worth mentioning. By no means are you obligated to remove these late payments because I did miss these payments. However, I have been a long time XXXX XXXX customer and still have a XXXX XXXX  card to this day. Due to the circumstances of severe medical issues surrounding my late payments and since I did pay my balance in full with late fees, I would like to ask that these late payments be removed from my credit report as a gesture of good will. They currently affect my scores and my ability to live life and anything I do. I would like nothing more than to be granted this one time good will gesture to have these removed because I have been a loyal customer of the company for so long and made right on the missed payments. Please remove these for me as a one time courtesy, I beg of you. 

I also served several years in the military and fought in XXXX. As a veterans of the United States Military I also ask for this one time favor. Please, if there is any way possible, please remove these missed payments from my credit report. Thank you very much.
I informed Synchrony Bank/ JCPenny that I lost my job after being XXXX in XX/XX/XXXX. I had no means to satisfy the debt. They continued to call me 3 to 4 times a day. The credit card in question was never applied for. We had never signed a contract. I called XXXX XXXX XXXX XXXX after I was served with papers at my home informing me that they were representing Synchrony Bank in a lawsuit against me for the credit card balance owed. I offered to pay {$100.00} a month to satisfy the debt, they refused and said they would pursue suing me. I was told by XXXX XXXX that I would need to find someone else to pay the debt for me. That they would not accept a payment agreement unless I paid half the sum owed and an exorbitant monthly fee. I asked to speak to someone else. He said no one else would be able to help me, not the attorney 's at his office, or anyone else higher in his department. He said that there was no agreement to be made and the attorneys would be suing me unless I paid the balance in full or put {$3000.00} down and paid almost {$400.00} a month.
I borrowed {$92000.00} dollars for my XXXX degree from XXXX from XXXX XXXX, which is now Navient, from the Tuition answer loan program. I began XXXX school in XXXX and my loans were in deferment until XXXX. It was in XXXX I was informed that I could no longer defer my loans, because the deferment period had expired, even though each time I had talked to a XXXX/Navient Customer Service representative, they assured me that I could defer as long as I was in school. They did in XXXX began offering an alternative to deferment which was Forbearance. During forbearance, I would pay {$150.00} for three months of forbearance. This took nothing more than an agreement over the phone, no paperwork was ever signed. I was also assured that the {$150.00} would be applied to my loan, which it never was. I went through this process beginning in XXXX, up until the XXXX when the informed me no more forbearance could be applied. The loan balanced had ballooned to {$160000.00} when I checked it in XXXX. Close to {$70000.00} worth of interest had been added to it since I started the forbearance in XXXX. I have never been given an explanation other than, " We have done nothing wrong, '' when I have enquired to how this was possible. All that has ever been sent to me was a excel document showing my loan progression on a spreadsheet. But it does n't match what is on my online account. In this was fees that I was never told existed. I feel as if I have been cheated by the amount of interest that has been added to my loan, and will never be able to pay this back. It was n't until XXXX that I was offered income based repayment. I want Navient to be held accountable for the massive amount of interest removed.
We were referred to XXXX XXXX ( NMLS # XXXX ) with Signature Mortgage. We went through the motions to buy a home and received a pre-qualification letter to proceed on the purchase ( credit pulled and letter received XXXX 2015 ). We found a home in XXXX and put in an offer. The offer was accepted on XXXX XXXX, 2015. The purchase agreement was sent to XXXX and the loan was on its way. XXXX told us that while he was n't familiar with this type of loan ( rehab loan ), he could get it done. Weeks went by and we were working diligently to produce the architectural plans ( hired an architect ) and the bid for the project. These were sent to XXXX XXXX XXXX. Many updates were given by XXXX to the Seller 's agent and to myself that lead us to believe that this deal was moving forward. I spoke to XXXX on the phone XXXX XXXX and he told me that he was working hard on my deal. Still no appraisal had been ordered, no paperwork had been given regarding the loan and no commitment letter was issued and time was ticking away on my contract. We asked for an extension from the original close date of XXXX XXXX to XXXX XXXX. The seller 's agent called his office on XXXX XXXX and spoke to his manager. The manager XXXX XXXX told him that he had no evidence that a loan application was ever made for myself and my husband. This was a huge red flag. The seller 's agent called my agent who then called me. I called and left XXXX message for XXXX XXXX and forwarded him the first and last email from XXXX stating that this loan was moving along. XXXX returned my call the next day XXXX XXXX and told me that there was nothing he can do for me, they do n't even offer these types of loans and that they ( Signature Mortgage ) have not violated any laws. He also told me that they were not liable for anything and that I should 've known that the loan was not pending because I am a real estate agent. Then that very day there was a hard credit pull for both my husband and I from Signature Mortgage. They pulled our credit without permission even after XXXX told me that they were n't working on my deal. 

I have not spoken to Signature since the phone call on Friday morning at XXXX with XXXX XXXX. 
We have spent money on this deal - architecture and escrow money. We are working on salvaging this deal.
Our firm, XXXX XXXX, has been monitoring our client 's request for mortgage assistance with Seterus to ensure its compliance with Regulation X and other pertinent servicing guides. This is the third CFPB complaint we have had to file in connection with this client. After a year of back and forth Notices of Error, Seterus finally initiated a proper evaluation of our client 's loss mitigation application for the HAMP modification program. Subsequently, our client was offered a Trial Period Plan that was to begin in XXXX 2016 and the last Trial payment would be made in XXXX 2016. 
Now that our client has completed the Trial Period Plan, Seterus 's counsel in the pending foreclosure has sent us a Home Affordable Modification Agreement to be executed, which states the first modified payment is due XXXX XXXX, 2016. According to investor ( XXXX ) guidelines, if the servicer elects to make the 1st modified payment due the 1st day of the second month following the end of the Trial Period Plan, the Borrower is not responsible for making a payment during the interim month, which in this case would be XXXX. When we contacted Seterus regarding the XXXX and XXXX payment, the representative did not disclose that information. Moreover, the representative instructed us to tell the Borrower to make the XXXX and XXXX payment as if XXXX was required. We believe that is an error and a false and deceptive statement. 
Additionally, the Home Affordable Modification Agreement contained a provision that was not authorized by XXXX. The provision at issue is XXXX. and states the following : " Any and all attorneys fees and legal costs incurred by Borrower or its representatives, with respect to this loan, will be the sole responsibility of the Borrower. '' Pursuant to the XXXX XXXX XXXX published on XXXX XXXX, 2016, the agreement was ONLY to be revised according to the terms provided by XXXX. The provision added by Seterus and/or its counsel was not authorized by XXXX and should be removed.
This guy promised to give me my items for XXXX XXXX. I gave him the money, waited a few days for the items to come. I never receive anything, its been like 6 days and he has n't sent me any items of any sorts ...
Citizens Bank charged me three insufficient overdraft fees totalling {$100.00} for an account that was overdrawn by {$8.00}. I was not given notice either by mail or email I was being assessed such excessive fees for such small negative amount of money. I called Citizens Bank and the representative explained me that she couldn't reverse those fees because I received alerts on my online banking, which I would only know if I logged into my account. The overdraft fees charged by citizens bank are excessive and charged without notice to me. This practice is deceitful and unfair to any consumer. Citizens Bank has been sued multiple times for its unfair overdraft fee practices. I was an affected member in the past in some class actions against Citizens Bank unfair overdraft fees assessment.
Citibank distributed a promotion flyer to me in XXXX 2016, saying that anyone, who opens a new checking account, makes an eligible deposit of {$15000.00} or more in new-to-Citibank funds into the new checking or new or existing Savings Plus Account Within 30 days of account opening, and maintains a minimum balance of {$15000.00} for the 30 consecutive days following the date of the qualifying deposit, will get {$400.00} cash bonus. 
I made a deposit of over {$27000.00} on XXXX XXXX into the checking account. For the safety of my funds, some of the money was put into my saving account. Citibank 's monthly statement concludes with an item called " Total Checking and Savings at Citibank '', which I believed was the number that should be above {$15000.00} ( as long as this number was above {$15000.00}, I was eligible for the bonus ). And so I paid attention to the total savings and kept the deposit in my checking account and saving account combined stayed above {$15000.00} till XXXX. In XXXX this year, I called Citibank a handful of times to request the {$400.00} cash bonus but they rejected me saying that my deposit did not stay above {$15000.00} for 30 days. And they would not take the total deposit ( checking + saving ) as the basis for evaluation. 
The information Citibank provided in the promotion and its statement is extremely misleading. And Citibank was never clear about their requirements. The fraud Citibank is committing deeply hurts consumers like me and consumed much of my time and energy.