WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was purchased by Carrington in  XXXX     2017, an d I find their servicing practices to be very non-borrower friendly. First issue experienced is having my payment rise {$82.00} a month in order to build a legal amount in escrow. Even though, through  XXXX   XXXX   XXXX , there has never been an escrow shortage.     Next issue is that starting  X/X/2017   , Carrington will be charging {$5.00} convenience fee on all one-time online payments. This is my method of payment and unsure why I am now being penalized to use this service. I understand I can sign up for automatic payments, but sometimes life just doesnt work out that easy. I feel entrapped to sign up for this service and run the risk of overdrawing my account if the funds are not in there.     These mortgage payments have NEVER been late ; in the 10 years this loan has been active. I find Carrington Mortgage servicing practices un-nerving and a possible CFPB violation.
I have been trying to get Asset Acceptance Corporation to remove a collection item on my account. I did not open any accounts during XX/XX/XXXX-XX/XX/XXXX and they have a collection item on my account stating that the account was open XX/XX/XXXX but my XXXX delinquency was XX/XX/XXXX ... that is clearly impossible. I have sent them numerous letters to them and have even requested validation and removal from my credit report, I ca n't seem to get any answers but yet they have not removed it. 
It is my suspicion that this account has been re-aged, I am sure it is a mistake but I would like it resolved as soon as possible. This is the only negative item on my credit report and the debt does n't seem to have any validity.
Debt was paid, negotiated to be removed from the credit report. It continues to show on the XXXX credit reports.
XXXX XXXX has put a late payment on my credit from XX/XX/XXXX. I was hospitalized for that entire month and the payment had been sent via mail however they had not processed and I had no notifications. Once out of the hospital everything got cleared up however they still hit me on my credit report as a late payment, I have never had late payment with them and still have the account open. The account has been established since XXXX XXXX XXXX has put 2 lates on my credit report XX/XX/XXXX and XX/XX/XXXX. I was involved in a lawsuit and in order to accelerate and end the lawsuit I was forced to not pay the mortgage as the other party kept making me make payments for a house that was no longer mine. We had an agreement with the party that title will be moved over at his name and he would take the mortgage and refinance me out within 6 months. I had no interest on the property and the other party needed to get it off my name. It went 6 months or more and nothing was done so I had to do a lawsuit. The mortgage company was aware of this and said its ok. Now I am hit on credit due to this issue.
XX/XX/XXXX i noticed online an unauthorized ( pending ) transaction ( {$36.00} ) on my wells fargo checking.immeduately contacted fraud dept. they pointed out that same company ( XXXX XXXX XXXX ) had previously charged three other times since XX/XX/XXXX. for 3x {$36.00} & 1x {$12.00}. 
i informed wf that i was receiving no subscription, Bank opened a dispute case told me that they must allow the pending payment to process to completion tgen it would be added to other charges in dispute. 
and told me that I would have a response and refund 10 to 15 business days. on the XX/XX/XXXX I saw a deposit into my account that said final deposit {$12.00} with no other explanation received an email on the XX/XX/XXXX which said that they had made a decision that I would receive a letter explaining the final amount that was too excited and that if I still had questions once I have that letter so I should call two weeks later no letter.when i could wait long enough on hold it took 19 minutes to speak to someone who tgen put me on hold for most of the call. only to tell me that wells fargo was only liable for the {$12.00} ( introductory rate, i called XXXX XXXX XXXX myself while awaiting the letter which never came ) XXXX cancelled fraudulent account in my name, suggested i push back on my bank for refund. Wells Fargo agent insists theyre not liable for anything beyond 60 days. ( not even the pending transaction which i alerted them to? ). 
W.F. bank. says theyre pushing back on visa to refund the money and that decision could take up to 45 days. i requested a letter stating so & she told me that I would receive a letter once they have a final decision. my truck was broken into XX/XX/XXXX, thieves took my XXXX, notebook, cell phone, & in XX/XX/XXXX my mother XXXX, so i didnt notice the unauthorized transactions, when i did i alerted bank.
On XXXX XXXX, 2015 there was a direct deposit made by job of {$80.00} to my Rushcard account. That same day Rushcard made a duplicate deposit of {$80.00} and then made a duplicate reversal of {$160.00}. I contacted the company on XXXX separate occasions to explain why this transaction occurred and when can I expect to have my money returned to me. On each occasion I was placed on hold for more than an hour and despite promises to rectify my account the money has not been returned to me. The last representative I spoke to advised that he would take this matter straight to the corporate office to resolve and would send me an email confirmation of our conversation. This was on XXXX and I have not heard from anyone nor did I receive the email. I am very frustrated at this situation and the lack of resolution.
I noticed on my credit report that the bureaus transunion and XXXX are reporting that Ive been late towards my XXXX credit card numerous times. Today XX/XX/XXXX, I spoke to a representative in the XXXX credit department to correct the information stated and it was confirmed to me that there has only been XXXX late payment back in XX/XX/XXXX. I am disputing that my credit report should update the proper information regarding late payments made so the courtesy to increase my credit scores can be provided
I notified Tjmaxx months ago that I had retained an attorney for the purpose of filing bankruptcy. They called at XXXX which is completely and totally illegal. I wish to file a SERIOUS complaint against them!
This is the second time I ask CFPB to intervene for the same issue ( see my past complaint XXXX ) and the fifth time I fight against Chase Bank for the same thing. Since XX/XX/XXXX, my credit report showed unauthorized Chase Bank 's hard inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been removed after a long process and several mails and phone calls. Several fraud alerts have been activated during the entire process but the unauthorized inquiries never stopped. 
Today, checking my credit report on XXXX, I figured that on XX/XX/XXXX XXXX reported AGAIN a Chase Bank hard inquiry. I am really tired of doing this every time in fact is my intention to sue Chase Bank if, after this complaint, they will not fix the problem PERMANENTLY. 
Thanks for your time.
The financial burden of my student loans are to large for me to handle and I am unable to negotiate other options like forgiveness plans or bankruptcy. I have had to postpone life choices like marriage and children due to these burdens. I have a good paying job and still unable to live within my means. This form of indentured servitude is unethical in our society.
To started with, I had mobile phone billing problem with XXXX. First XXXX XXXX was collecting {$280.00} from me. I did not pay, because I did not agree with the amount and they did not answer my simple questions upon my request. Thereafter, XXXX XXXX XXXX XXXX   came to collect {$440.00} from me instead. Once again, I did not pay because they also failed to answer my questions. At last, AmSher sent me a collection letter on XX/XX/2018 to offer a new collecting amount of {$260.00}. I did not pay it but I have one question about the continuation of this collection, whether it was continue from XXXX XXXX  or from XXXX XXXX XXXX XXXX, who's collections were completely different from each other. AmSher did not bother to answer my question, and report the alleged debt of {$440.00} to the Credit Bureau to damage my credit score.
Caine & Weiner Company Inc falsely claims that I owe {$390.00} to XXXX XXXX XXXX XXXX on XXXX XXXX. I recently opened up my first credit card with XXXX XXXX Bank on XXXX XXXX so this debt is unquestionably invalid. This debt was owned by my father with the same name as me.
They would not allow me to lower my payment. Then they would allow me public service forgiveness on my loans stated they dont do that.
I received a letter from XXXX XXXX on XXXX XXXX, 2016, stating that all hard inquiries made on their behalf are to be removed because the applications were confirmed as fraud. ( See attached pdf letter downloaded ). Experian is not responding to the letter and has not taken the hard inquiries out from my credit report causing me to have a lower credit score. 
I have tried to have them remove the inquiries to no avail.
XX/XX/XXXX I made an agreement with XXXX XXXX XXXX to settle a lawsuit from a credit card debt. At that time the amount to be paid was {$5800.00}. The agreement was for XXXX to take {$100.00} out of my bank acct on the XXXX of every month. XXXX said it was my only option because they did not accept checks being mailed in. Until XX/XX/XXXX they took {$100.00} from my acct. And then it stopped. I do n't know why it stopped even though a balance was still due. Nothing on my end changed the bank acct was the same ( I have had this account for almost 20 years ) and no contact was received from them, ( I have had the same phone number for 25 yrs and the same address for 17 ). Then on XXXX XXXX, XXXX I received a call at my office wanting to verify employment. When I asked what this was about I was told it was in regard to a judgment gotten against me by Midland Credit Management for violating the terms of the agreement. I was never notified about this, did n't even know that a court date was set up nor did I ever receive a phone call or letter from Midland about this. When I mentioned that I did not violate the agreement that they had stopped taking the money, and that all my information was the same, the person said it was my responsibility to find out why they stopped. Again none of my info changed so why is this my responsibility? She they said I had to pay the full amount even though they had collected over {$2900.00}. It took me over 4 hours of arguing with them and lots of lies on there behalf. All of which they kept blaming me for their error. I was told that I should have sent them a check and when I said that I was told they did n't accept checks I was called a liar. Finally I was able to speak to someone who claimed to be an attorney and who blackmailed me into paying them {$500.00} to make it go away. When I ask for the lawsuit to be vacated I was told NO. This is not right, now my credit which I have been working very hard to fix is showing a Judgment against me, which is not my fault. Again I have had the same bank acct. Phone number and address all for over 17 years so they could have reached me at anytime. This is not right, I was basically black mailed into paying a debt which they failed to collect, not that I failed to pay. I hope you can assist me in taking action against this company which I am sure I am not the only person they have done this too.
still waiting for experian to fix credit report and also put my XXXX score back over XXXX where it was before case # XXXX was started all XXXX scores want back to over XXXX where they were before this all started
I advised AFNI on several occasions that this debt is not mine. They will not remove this from my credit report nor have they provided PROOF that this debt belongs to me.
I am trying to short sell my house but the attorney representing the servicer ( SPS ) will not allow a short sale. We did receive all the paper work and online access to file the required documents and have an executed contract for a short sale but law firm is blocking it. I am also seeking relocation funds.
In XX/XX/XXXXI called to see about some repayment options while I handled personal credit card debt. While on the phone I had been transferred multiple times and getting the same run around from every associate. I called again on XX/XX/XXXX because I was behind on my payments. Once again I get the run around and this time I am being told there is nothing they can do because it is a private loan. The associate by the name of XXXX was verbally abusive and not cooperating with me. I told her my financial situation and what I can do to manage it before it gets out of control. She continued to say there is nothing she could do to help and kept berating me. I eventually had to hang up on her. It seems there only goal is to continue to push for repayment after explaining my circumstances. I don't know where else to turn at this point. The school that I attended has since closed down. They were a for profit institution and pushed the outrages loans on myself and everyone I went to school with.
I purchased a car from XXXX XXXX in XXXX. I was initially told I was purchasing a XXXX and signed a retail installment contract to cover the XXXX XXXX  GAP insurance and financed car note. After signing the initial contract, I noticed the car I purchased was a XXXX. I went back to the dealership and they drew up another contract, but this time it was electronic. I was also told that I would be able to register the car in California even though I purchased it in Ga. After 6mo of going back and forth with the dealership and not be able to operate my vehicle due to it not being registered. I made a complaint to XXXX. The lender who financed my car was still accepting the payments even though my car was not registered. The dealership would not give me a dealer plate to operate the vehicle. After the complaint, I received an email stating to not take my car to XXXX from someone in their corporate office. I already had GAP protection and an additional vehicle protection plan that covers me for XXXX miles. I had to take my car to XXXX XXXX XXXX in XXXX because I was told each XXXX is an independent dealer and I could not get serviced there, so I had to pay out of pocket for warranty services that should have been provided. In addition, I began to have safety issues with the parking break disengaging while in park. One incident led to the car rolling out of it's parking space after I engaged the parking break, locked the door, and left the car alone. This continued to happen several times. I consulted with a XXXX lawyer and requested the car to be repaired. XXXX made me an offer saying they would give me cash and extended warranty and also told me to take the car back to the dealership that changed it's name from XXXX for an exchange or repurchase of the car. On my final demand for repair, I contacted my car loan lender to let them know and was told the car had been charged off, but not in repossession. XXXX and the dealership has caused this charge off because they did not follow through with their offers to cover the issues that are under warranty according to thev4th and final repair under XXXX law. In addition the car was kept for repair over 30 days and nothing was repaired.
XXXX XXXX I paid a debt for XXXX $ with First Credit Services out of New Jersey. The company agreed to send a letter to the original creditor canceling my membership and any further payments upon receiving payment. They charged me XXXX $ instead of the XXXX $ and had to issue a refund. Today I received a call for a debt of XXXX {$.00} Last time I paid it the company did not send the letter to the original creditor that they had promised to send. This caused the original creditor to charge me again. 

In summary, First Credit Services promised to send a letter to the original creditors canceling any further charges from the original creditor upon receiving payment, They did not, and another payment was issued. 

First Credit Services said " You pay us, we cancel any further charges and cancel your membership. '' They did n't cancel further charges or membership.
On Thursday, XX/XX/XXXX I attempted to get a XXXX conventional mortgage with Quicken Loan ( Loan # XXXX ). I provided all of my financial information up front and they ran a hard credit check before even giving me any of the basic information I wanted ( just what were typical costs at {$100000.00} for a loan - and yes, I know it varies by region, but how it is calculated would have been helpful and should n't have needed a hard credit check ). 

After going through their process I was pre-approved for a XXXX loan at {$120000.00} on Thursday, XX/XX/XXXX. I was told that my mortgage would be {$940.00} at that amount, and that the total out of pocket would be {$7200.00} with closing. I asked about {$100000.00} due to a house I liked. That came back at {$780.00}, with {$6600.00} at closing. 

On Friday, XX/XX/XXXX the house I liked had a price drop to {$99000.00}. I asked for what the cost would be and provided the address of the house. I was told {$7500.00} without closing, with a monthly payment of {$880.00}. I asked why the discrepancy and they said it was their fault, they had forgotten to include a few charges. NOTE : They still had the SPECIFIC address I was interested in at this point in time. 

So this brings me to my complaint. After going through this process, I was able to close the deal on the house I liked at {$100000.00}. This is still on the pre-approved XXXX loan which they had originally pre-approved at {$120000.00}. So I call them today ( Wednesday, XX/XX/XXXX ) and get told that their is an income restriction on the house, and that the only way to know which houses have them or not is to use a special tool not used by Quicken Loan ... which I was never told about. 

They offer to give me a new loan product, but even if the seller who has already closed the deal without closing were to change their mind and give me closing, the total cost out of pocket for me would be {$7000.00} to {$8000.00}. Well above the budget I provided them, meaning the entire process was a waste of time and making it so that my wife and I lost the house we wanted. 

I spoke to them at length but they refused to do anything and due to their incompetence I was not provided with clear and straight forward information on costs to allow me to budget, wasted the time of the seller and cost them another interested party, and wasted the time of my real estate agent. At this moment in time I 'm not sure if I 'm on the hook for any charges beyond the damage to my credit score, but this process has left me humiliated and angry. 

Thank you for your time.
On XX/XX/XXXX at approx XXXX I went into Comerica Bank to open 2 accounts ( business and personal ). It became late and they experienced a glitch in their system and asked if I could return the next day. I agreed. The next day I came in and they told me that they are not able to open an account for me due to XXXX  saying I owed money to another bank. They told me to go to the banks and clear it up and come back to them with letters and they would give me back my money. They were clear in saying that they would not be opening an account, however. I went to the banks and discovered that after I closed my bank account auto pay items went through and created an outstanding balance. I immediately rectified the issue which in total was roughly {$350.00}. On XX/XX/XXXX I took my letters into Comerica and asked for them to give me my money back as they told me they were not opening an account. They then informed me that even though they said they werent going to open an account for me they went ahead and deposited my money and now I would have to wait 9 days. I was frustrated and told them I would return to pick up my funds. I specifically requested to pick up my money because I was anticipating moving in the next week. I went back in on on the XXXX and they told me my money was still not available. I again told them I would be back to pick up my check. I was sick the week of XXXX and they called me 3 times in 2 days. I went in on XX/XX/XXXX to get my funds and they told me they had mailed them to me. They said they mailed it out on XX/XX/XXXX. On XX/XX/XXXX I still had not received my check. I had my mail held on XX/XX/XXXX due to Comericas mailing my check and specifically to make sure the check would be at the post office. I went in to pick up my held mail on the XXXX. The check was not there. I called XXXX and told him I had not received a check in a 10-day period and I wanted that one cancelled and a new check reissued. He was rude and told me he could not help me until Monday. I asked for his manager to call me back. He told me she was working from home. I asked that she call me on her cell. She did not. The bank was also open on Saturday and I still did not hear from anyone. On Monday at XXXX I called the bank and asked for XXXX. She lied to me and said she was out of town when last week XXXX told me that she was working from home on Friday. I asked her where my check was, and she gave me the run around and said she was just finding this out. I do not believe that as I told XXXX I wanted her informed on Friday. I told her to figure out the timeline for getting me a check that I could come to the bank and pick up. I ensured she had my cell phone number and told her to call me back with that info by EOB XX/XX/XXXX. She did not call me. I do not have my money still. It is now the XXXX and the manager has still not contacted me about how to get my funds. Comerica has kept my money for 30 days. I have had damages due to this inability to access my funds. This is a ridiculous amount of time for them to hold my money while they benefit from it being deposited in their institution.
I was told that with public student loans, I could defer them without interest accruing. Finally, when I started paying the loans I noticed that the principle had gone up significantly from when I had initially deferred them.
A judgement was placed against me in 2008 by XXXX XXXX Bank and the debt got sold to Sacor Financial Inc in XXXX, CA. I was never properly served any court documents. Sacor XXXX Inc has levied my bank accounts and collected over {$8000.00} from me. The judgement was for about {$15000.00}. It has been over 8 years since this judgement and they are still harassing and calling me even though I have requested numerous times for them to provide me with the accounting breakdown of what is owed and all documentation retaining to this judgement. I hope that you will be able to guide me and help me resolve this issue.
I was charged a no-show penalty fee on my XXXX platinum card by the XXXX XXXX   Hotel for a reservation I made and cancelled at the XXXX  travel web portal. XX/XX/XXXX, I filed an online dispute with XXXX and uploaded a copy of the attached reservation cancellation. On XX/XX/XXXX, I spoke with XXXX at XXXX travel in XXXX, TX. XXXX acknowledged that the reservation was cancelled and that the penalty fee should not have been charged. On XX/XX/XXXX, XXXX left a voicemail message for me indicating that her manager XXXX had reviewed the account, contacted the XXXX XXXX and confirmed that the XXXX XXXX   would refund the penalty charge. 

In all my communications with XXXX I indicated that my statement closed at months end, and as such there was urgency to getting this matter resolved and the charged removed before the end of the month. The charged was not removed and XXXX  reported the account to all credit bureaus with the amount in dispute resulting in a negative impact to my FICO score. This resulted in my reported XXXX balance shooting from {$0.00} to {$540.00} even though that amount was the subject of an active dispute and Id been advised by XXXX travel that it would be corrected.

XXXX violated the Fair Credit Report Act by failing to report that the amount was subject to an active dispute.

In 3 years, this is the THIRD time I have been assessed a no-show penalty fee after cancelling a reservation through the XXXX   Travel web portal. This is evidence of a systemic failure of XXXX that  it had ample time to remedy just based on my complaints and correspondence.