WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I applied for a HELOC from my mortgage company. After i disclosed all information to Chase i was told over the phone my credit score did not meet minimum level for Chase HELOC policy. At no time during phone application process did the Chase representative disclose to me what the minimum credit score Chase requires for a HELOC. My on time mortgage payments are excellent over the past few years. Currently I have a substantial amount of equity in my home and Chase is not allowing me to access it I need to access the equity in order to settle some outstanding accounts that were damaged due to a divorce that was finalized on XX/XX/XXXX. I have been consistently improving and repairing my credit since my divorced was finalized. The equity in my home is mine and i am only asking for a small portion of the equity to settle credit accounts in order to continue repairing my credit, Chase did not disclose to me that they require a minimum fico score to be approved for a HELOC.. I have been a Chase customer for many years but they will still not allow me to access my equity.Totally unfair lending process.
XXXX new accounts were reported on my credit report. XXXX account with XXXX XXXX ( XXXX XX/XX/2016 XXXX {$28000.00} TransUnion ) was for an automobile. That loan was paid off by the other new account on my credit report, XXXX XXXX XXXX. The XXXX XXXX account has been paid in full and should show as closed.
Prosper offered a personal credit for consolidating some of my credit accounts with a lower interest rate, Prosper said this would not affect my credit score, Prospers inquiry showed up as a hard inquiry and has affected my credit score negatively. I did not use the Prosper loan because further into the loan application it showed an undisclosed fee of {$500.00} to obtain the loan. I cancelled any transaction with Prosper.
I am making a complaint against Bank of America and XXXX for decisions they have made to ban or limit banking services specifically related to the manufacture, sale, purchase, including financial transaction or account services for the firearms industry, retailers, and consumers. 

My specific complaint against Bank of America is that they intend to stop lending to firearms manufacturers. My complaint against XXXX is that they are essentially creating their own laws according to their XX/XX/2018 blog post : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. '' XXXX is additionally discriminating against manufacturers by applying the same invasive rules to lawful and constitutionally protected activity. 

For federally regulated entities to actively suppress lawful activity, constitutionally protected activity, is, in my opinion, a breach of banking regulations and discriminatory. At the very least, it would have the disparate effect of discriminating against white males. No matter what the banks ' intent, the biggest impact would be against a protected class ( race ). But the broader complaint is that banks being regulated, are not allowed to pick and choose customers and industries based on their social agendas, I think that is wrong and specifically against numerous consumer and business protection compliance regulations. They are effectively making law and due to their market size and power, have a restricting and dominating effect on a national level. They are essentially using their massive industry size, to enforce policy equivalent to federal law, replacing the lawmaking prerogative of Congress with the boardroom of for-profit Banking giants.
Early Warning Services have failed to investigate matter accurately. These items where disputed last year and early warning failed to provide accurate proof of items upon request. Instead of providing items that pertain to the XXXX XXXX XXXX & XXXX XXXX gave a blanket reason for a matter pertaining to a business account under a tax id and not a personal account. The also deflect the matter to non working XXXX  number where no one responds to call or voicemails.
I am a customer of Shellpoint Mortgage Servicing and have had issue with my escrow account since XX/XX/XXXX. Initially Shellpoint did not pay my village property taxes when they were due in XX/XX/XXXX, even though they deducted the money from my escrow account. I did not find out that this occurred until the XXXX sent me a letter stating I was in default and if they were not paid, my name was going to be printed in the newspaper. I immediately contacted Shellpoint on XX/XX/XXXX and provided a copy of the letter I received from the village. XXXX days later they paid my taxes ; HOWEVER, they deducted the money from my escrow account AGAIN and never gave me a credit for the tax bill that was never received by my village in XX/XX/XXXX. At that point they reanalyzed my escrow account and increased my payment because my escrow account was short due to their error. I am owed {$1800.00} back into my escrow account and my payment lowered to its previous amount. I have called customer service now 3 times to get this fixed and every time they tell me it 's being escalated to a supervisor, but I have seen no correction and have yet to receive a phone call. I want this fixed immediately and a phone call confirming this. Thank you.
On XXXX/XXXX/2016 I noticed a pending charge of {$200.00} dollars, but my bank does n't tell me exactly what the charge is until it clears. My bank is HSBC. On XXXX/XXXX/16 I saw that my account had been charged for {$210.00} to a restaurant in XXXX that I never went to. I reported the fraud to my bank and they told me to wait for a Fraud Claim Form. Two weeks later on XXXX/XXXX/16 I received a letter from my bank telling me that they have proof the transaction was authorized and they would not be reimbursing the money. I also received a different letter including the Fraud Claim Report. In confusion, I contacted the fraud department. I asked for the proof and they claimed that my physical card was used at the restaurant. They never provided me actual proof. I asked to speak to a supervisor and was told I 'd be called back. I never received the call. This whole process I have been made to feel like I am the guilty party. They told me I needed to file a police report in order to proceed further. However, they never told me that I needed a signed affidavit from the bank along with other paperwork. I had to go back and forth to acquire these forms including taking a whole day off of work. I did file a police report. Then on XXXX/XXXX/2016 I received a letter from the bank saying they would reimburse me. When I called the fraud department to clarify they told me a different department sent that letter and it was n't valid. I live pay check to pay check and this missing money has put me in financial strain. I submitted the police report to the bank and since then have heard nothing from the bank or any sort of time line as to when this would be solved. I do not appreciate being made to feel guilty, especially when there is no physical proof provided. They have rushed me to provide evidence of my innocence and yet made no attempt to prove I actually used the card.
I had applied for a bank of america credit card. They issued a wrong card with different benefits. In fact the card they issued had no benefits at all. When i was talking to rep about it, i was mis informed that if i cancel the card without activating it or putting any charge on it, it would not be reported to the credit bureaus. That made cancel that card and another card for my wife which was never activated. @ weeks later both cards are on our credit report as closed by consumer. Not only are they not clearing that, they are not letting me re-open those cards. This is hurting my credit. When i called back to inquire about, they are brushing it off as mis information on part of the agent and not offering any solution.
On XX/XX/18, opened two accounts, one savings, one checking at Chase bank branch in Washignton, DC. At time of opening, a new account bonus code was provided, which banker said was invalid. Banker advised that I could obtain a new code, provide it within 10 days, and it would be no problem to apply it to the account. The code offers a financial incentive if certain conditions are met. On XX/XX/18, provided via email a new bonus code and was advised on XX/XX/18 by banker code was invalid. Upon review, I noticed a typographical error in the emailed bonus code and immediately replied to banker with the correct code and the photo of the code. To date, I have not received a response.
Mariner Finance sent me a check for the amount of XXXX so I deposited it in my account. I accepted the loan and made payments, but I had no idea that interest was applied to the loan every day, I thought the interest was per year. I recently made a payment of XXXX $ out of which XXXX $ went to a late fee and XXXX $ was applied to interest. This should not be allowed to happen, this is predatory lending at its extreme and should be reported.
I disputed more than 10 times and escalated your service department and correpondent team but your company ignored my fair claim to remove the charge {$90.00} fee that is not my fault and responsibility. I already sent the proof documents that I paid the payments ontime. 
Per our conversation with Customer Service team last month, I am requesting to waive the inspection fee {$90.00} charging to my account again. This is not my fault but the fualt from the previous the previous mortgage servicer, XXXX that never forwarded the fund to Seterus. I also updated my mailing address timely manner but they did not update the correct mailing address so I could not get the transfer information accordingly. This is not my fault so can not pay the inspection fees {$90.00} that Seretus charged and it is not my responsibility. 
Seterus charged 2 times of inspection after XXXX even I updated my address and payment information accordingly in Seterus. Your research department already verified that I paid all payments on time every month. 
Please reconsider and waive the charge {$90.00} fee XXXX I discussed and agreed on the phone that I am going to make a payment of {$990.00}. 
Regards, If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX. 
Regards, XXXX XXXX.
I reached out to Jefferson Capital Systems on XXXX/XXXX/2016 after finding a Collection account on my credit report on XXXX/XXXX/2016. I spoke with a male representative on the phone. After the gentleman was able to locate the account we verified some information and found that they had an incorrect address and the account was not verified. I explained to him my concern which was the credit collection report and improper notification & verification of this account. I told him I wanted to pay the account for the full balance due and have this removed because I was not properly notified. He furthered explained to me that the account was still owned by Jefferson Capital Systems, however, it was sent off to a 4th party collection agency and I would have to pay them. I then go into further detail about the issue now and explained that I did not feel comfortable paying another agency for collection owed to them. The gentleman told me, " I 'm sorry but there is nothing I can do. '' I advised him that I would be reaching out to several different agencies over this matter.
MY WIFE AND I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, XXXX, CASE XXXX. YOU WERE SENT A INFORMATION ONLY NOTICE AND NOW HAVE RESTRICTEED SAID ACCOUNT XXXX, SEE ATTACHED! 

ALSO, PLEASE BE ADVISED THAT THIS LEASE IS LISTED ON SCHEDULE C : '' THE PROPRTY WE CLAIM AS EXEMPT. ( FORM 106C ). 

AS A RESULT OF THIS CONFUSION, MY LEASE PAYMENT IS NOW LATE, AND ASSESSED FEE 'S. 

EFFECTIVE TODAY UN-RESTRICT THIS ACCOUNT AND REVERSE ALL LATE FEE 'S AND CORRECT ALL CREDIT REPORTING TO REFLECT PAYING AS A AGREED NEVER LATE.
After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone in early XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXXloss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, On XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called ) I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.
Before I requested a fraud alert online, I updated my mailing address with all XXXX credit reporting agencies. Out of the XXXX credit reporting agencies, Equifax is the only one that makes it difficult to update a consumer 's mailing address or delete wrong ones. There are numerous online complaints depicting my situation. I do not feel comfortable faxing a copy of my Driver 's License to Equifax when someone misused my identity back in XX/XX/XXXX at XXXX which is depicted CFPB case # XXXX. My wife and I called Equifax more than XXXX times last week and it was difficult to speak to an efficient representative. Although I gave verbal authority for my wife to speak on my behalf, the reps did not want to speak to her. The other XXXX credit reporting agencies had no issues with this. To make a long story short, according to XXXX in Equifax 's XXXX Department, the fraudulent account no longer shows therefore I need an updated copy of my credit file. He advised that he would not mail it to my actual address, instead Equifax can only mail it to my old address which I have not lived at for several years. This is unacceptable and inconvenient. Please your assistance is required. I need an updated copy of my credit report to be mailed to XXXX, FL XXXX showing that account # XXXX XXXX, was indeed removed. Furthermore, I have never lived at XXXX. This is a computer error which Equifax is also known for. I would like for Equifax to remove that address. Thank you
A unpaid medical bill showed up on my Equifax credit report. The problem is I never received those services from XXXX XXXX. I have never been to XXXX of their locations and it is possible someone stole my information. The bill is for XXXX dollars and the date of the charge was XXXX XXXX 2015. This is not me..
On XXXX XXXX, 2016, I used Experian.com to check my free credit report and agreed to pay {$1.00} to obtain my FICO score along with my credit report. I was then, without my knowledge or consent, signed up for a credit monitoring service. No e-mail communication from the company ever indicated that I had started a free trial, or that I needed to cancel within a specified time period in order to not be charged. On XXXX XXXX, 2016, I was charged {$21.00} for " credit monitoring '' -- service that I neither desired nor solicited. I called Experian on XXXX XXXX, 2016 in order to obtain a refund for this charge and was told that they are unable to provide refunds for this service. 
I believe that the method by which they are surreptitiously signing up people for this " service '' is both dishonest and disreputable. It even more egregious because it is being foisted on unknowing consumers who are deliberately seeking to manage and improve their financial health -- and instead are being gouged by one of the very companies who instead should be trying to help consumers with financial transparency. 
Experian should be forced to un-bundle the " credit monitoring '' service from the FICO score offer so that it is no leading misleading and deceptive to consumers.
After giving the credit agencies time to fix this problem they still failed in doing so. The following account has previously been disputed many times all with no prevail. The FCRA assures the consumer that disputed accounts, without physical verification shall be removed. This following account I have no knowledge of and if the credit agencies continue to update it then by the laws of the FCRA they should provide physical documentation before taking the senseless and easy way out by updating an frivolous account. The following account in dispute is XXXX XXXX / XXXX XXXX ( XX/XX/2012 )
Ever since XX/XX/XXXX I have been in a malicious dispute with Citimortgage with this alleged mortgage account # XXXX. I must reiterate I SHOULD HAVE NEVER RECEIVED A HAMP LOAN MODIFICATION. Citimortgage has refused to listen to me over these several years, when I have told them my adult daughter who is currently receiving XXXX for her XXXX is not fully capable to understand the documents she is signing. Example loan modifications etc. Citimortgage has continued ignored me and has informed if she does not sign I will be denied. This is not right but I am forced to do so regardless of the circumstances. I even said they can have a property for which they are not entitled to if I have to continually be at odds with Citimortgage to understand my adult daughters XXXX. 

Citimortgages Fraud Department said in a letter addressed to me that I " Reaffirmed '' this alleged mortgage in my chapter 7 bankruptcy in XXXX I would like to know WHAT REAFFIRMATION AGREEMENT did I allegedly sign in XXXX and WHERE did they obtain this information about this " Reaffirmation ''. 
Now they have accused me for filing a fraudulent claim of forgery this is not true. If I do not know anything else ..the one thing I do know is how to spell my name. Citimortgage has accused me of falsely filing claims against Them in an " attempt to eliminate a debt '' but they can not even address the Pennsylvania State Attorney Generals letters to them in an effort to address this matter. ( case file XXXX ). They would rather send an ACT 91 notice than to address or ascertain if there was any issues. In XX/XX/XXXX I received a letter of being transferred yet again to XXXX, it appears Citimortgage is " attempting to eliminate answering questions based upon their actions. 
Citimortgage has misconstrued my intentions in trying to obtain the best possible outcome for all concerned parties. FANNIE MAE, This writer and Citimortgage
I started paying my loans to XXXX XXXX XXXX after graduating XXXX. They had all my loans private and federal. I paid consistently what my salaries would allow. I had several jobs on & off through the great recession. I lost my last job XXXX and payments got behind, so XXXX of XXXX I called XXXX XXXX and was told Navient had my loans. Talking to Navient I set up a payment plan I could afford while bar tending part time. When I spoke to them, I asked repeatedly if this is ALL my loans and he reassured me it was. I had it set up as autopay that was fine until XXXX XXXX when they stopped taking it out. Today I got a letter from Pioneer Credit recovery that says I am in default and XXXX XXXX XXXX has my loan and I have not made a payment since XXXX. Who is XXXX and when did they get my loans? I called Pioneer and they want to put me in a rehabilitation. What? Why has Navient not been paying all that they told me they were. So before I set that up, I wanted to do some searching. I called the government Loan Locator # XXXX XXXX XXXX. XXXX tells me I have XXXX loans all at NAvient. She gives me XXXX XXXX number XXXX XXXX and I call but it is NAvient - talked to XXXX and she says that my account is XXXX loans and all are current. After tallking to her she gives me XXXX XXXX # XXXX XXXX XXXX. I call and talked to XXXX who works for Navient but speaks for XXXX XXXX!! She tells me that XXXX loan was paid for by XXXX because it was in default and that I only have XXXX loan with XXXX. Navient website says XXXX were picked up by XXXX XXXX. She is going to mail me a letter stating that. Now I am on my XXXX phone call and each one has a different answer. And NONE of them can tell me why all my loans where not paid on when I repeatedly asked back in XXXX of XXXX if all were covered. As they can see by my payment history starting the year I graduated I tried to pay what I could depending on my work at the time - during the worse recession that we all were trying to get through. This collections agency 's letter says there is a {$1100.00} " Collect Charge ''! Is this the way XXXX and Navient are making money? Especially since they seem to be the same company ... Back in XXXX XXXX, were they paying their employees bonuses on how much they could send to default, so they give false information? I feel the man I talked to had to out & out LIE because he said over and over all your loans are covered, " Federal & private ''. And now one year later the automatic payments stop, another way to collect late fees? If they see I am consistently paying on XXXX of the loans - would n't that raise a red flag that some one there dropped the ball - why all were not taken care of with that call? Why would I choose to pay only part of what I owe especially since I initiated the calls. Now that my credit will be impacted and my late fees and collect charges add to my loan balance, it seems like a never ending cycle. What recourse do I have? Thank You
I work as an RN for a non-profit and was under the impression that I would qualify for public service loan forgiveness. I went through the appropriate steps of consolidating my loans ( per Navient, formerly Sallie Mae ) and was guided towards a specific repayment option. It is now 6 years later and I am just finding out that the repayment option that I was guided to is INCORRECT and INELIGIBLE for the program, and that I essentially have 20 more years of repayment under my current option, NOT the 4 years I thought. I am now in the process of changing my repayment option but have to restart with 10 years of payments. 

I was guided by Navient ( Sallie Mae ) officials to Consolidate under Direct Loans, and then use Graduated Repayment, which per them, was an acceptable method of repayment for PSLF. I have been hearing about this problem in the media, so I did a little research to find that I also have been a victim of this misinformation. 

I believe I started repayment after consolidation around XXXX/XX/XX/2012, with $ XXXX consolidated under Direct Loans. I have not missed a payment and very responsible with my finances. This whole situation is sickening. I would have chosen a different payment method from Day 1 if I knew I wasn't eligible for Public Service Loan Forgiveness. I have been seeing a lot on the news about lawsuits against Navient for this exact reason, but it being held up by XXXX and XXXX. I do not know what I am supposed to do at this point. 

I know that there is Temporary Expanded Public Service Loan Forgiveness that is supposed to address this issue, but you can only apply to that if you have made 10 years of payments. I am only 6 years in to my payments, but what am I supposed to do moving forward? If I don't qualify for PSLF I want to chose a different payment method that accrues less interest, but I also don't want to switch my payment method and get penalized for it.