WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage rated was fixed for ten years, then went to a variable rate. The last fixed rate payment was due and paid XX/XX/2016. The loan was originally through XXXX, but after many changes is now with SLS Servicing. When SLS changed my rate, effective XX/XX/2016 they dropped it two points, from 6.625 % to 4.625 %. They told me the new rate, per my contract, is the LIBOR ( then 1.55011 % ) plus the index ( then 2.75 % ) for a rate of 4.30011 %. So I asked why I was getting a new rate of 4.625 %, which is obviously more than the formula they gave me. They said the rate, per my contract, ca n't change more the 2 % per year, and sent me a copy. But this is what the original contract says : on page XXXX, section XXXX, section ( D ) Limits on Interest Rate Changes : [ The interest rate I am required to pay at the first Change Date will not be greater then 11.625 % or less than 2.750 %. Thereafter, my adjustable interest rate will never be increased or decreased on any single Change Date by more then 2.000 percentage points from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than 11.625 % ] To me this clearly says that when we first go from fixed to variable at the end of ten years the new rate can be anywhere from 11.625 % down to 2.750 %. That 's why those figures are mentioned specifically. After that ( hence the word 'thereafter ' ) the rate will change yearly, but not more than 2 %. I have since written to them four times and called three times ( it is often impossible to get through on the phone ), but they insist that my rate ca n't change more than 2 %. I 've asked why the range of 11.625 % to 2.750 % is spelled out for the initial change then, and what the 'thereafter ' means, but they just insist they are right and I am wrong. Today on the phone they literally said they just wo n't change it, regardless of what my contract says.
XXXX  loans with nel net first account number  XXXX  there is a direct and a sub direct. well several times i made large lump payments ov er 1000.00 t o bring down my loan balance and they applied to to interest. I was never late on my loan so i had no past interest due. when i questioned them i was told that that is how they handle there loans that any addl money paid gos to future interest not the principle. i thought this was weird practice so i never paid them a lump some again. I have paid off the loan however i believe they have robbed me and applied my monies incorrectly and i can not get them to fix the issue.     My name is :  XXXX   XXXX   XXXX  date of birth is  XXXX / XXXX /  XXXX   last  4 d igits of social is  XXXX  address is  XXXX   XXXX   XXXX   XXXX , ca  XXXX  phone  XXXX   XXXX   XXXX
BarclayCard US is providing a concerning revelation on behalf of credit decisions requested. Based on previous inquiries and correspondence which they furnish through email AND vocally over the phone, they still send correspondence with secure information through the mail, when there is no need to do so in cases where XXXX copy of correspondence has been received either electronically or vocally over a phone line where they obtain permission via secure information handled by the receiving end of the phone line. This is a XXXX XXXX concern due to how prevalent " Hacking '' is these days. I am requesting a full investigation of this in addition to sequestered forms that are improperly sent based on the above analysis. Credit Card companies should be fully cooperative with modern technology and provide full disclosure regarding Credit Inquiry decisions and should only offer XXXX form of a decision for delivery, be it electronically, vocally, or through the mail. While mail is to be considered Secure, Credit Card companies should know better than to put Any form of identification that tags a partial Credit Card #, SSN, or Tax ID where unknowns are able to Steal, or mishandle the documentation should it fall into the wrong hands. I 'm pleading that this matter be taken seriously, as if the tables were reversed, I 'm sure the affected would have the same opinion. 

Nobody deserves to have their information stolen. If Credit Agencies would take the proper precautions in securing information, perhaps this would become less of an issue for many victims of fraud.
I have had a XXXX XXXX with Barclsys for 4+ years and pay the credit card balance in full every month. 
I recently made my most recent payment ( balance owing ) on XX/XX/XXXX. 
Since that time, the payment has continued to show as pending and has not pulled from my checking account. 
I called again ( for the 8th time ) on XX/XX/XXXX and was instructed by the CSR that we should cancel the old payment and make a new one. I took their advice and made a new payment and received confirmation via email that it was pending. 
I called today, 3 days later and it still shows pending. 
I them waited on hold for 15 mitmutes and transferred to a Manager who then put me on hold for another 15 minutes and finally came back on the line.

I was then told my latest payment from XX/XX/XXXX had to be cancelled to work out a system glitch and I received no notification about. In fact, if I had not called in ( for the 9th time since XX/XX/XXXX ) I would not have found out my latest attempted payment was not processed. 

Ive been with this company for over 4 years, pay my balance in full monthly and would be considered an excelkevt customer. To be treated this way with zero accountability on their end is completely unacceptable.
inquires are from car dealers. They where only supposed to run XXXX report with a finiical bank not XXXX, XXXX these should go off my report.
XXXX not accurately and fully reported. 
Original Amount Unknown High Balance Missing Recent Balance Missing Recent Payment Missing CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file.
I have several issues with Experian. First, I tried to get my free annual credit report and received a message that they were sorry but they could not provide it. I did get the credit report through XXXX and found that Experian has shown me as " also known as '' someone else.
I filed a complaint on Monday XX/XX/XXXX, I provided information and minimal documents. It was received and followed up with a false statement from XXXX XXXX. As of today I have new information to provide that will prove my point and complaint! Just got an email from a credit bureau notifying me my credit score just went down 135 points in the last 24 hours because of XXXX XXXX, SO, I called XXXX XXXX  and spoke with XXXX   ( employee id XXXX ). Guess what? I explained to her everything I have been since calling back in XX/XX/XXXX to report losing my job, the calls I've made, the calls I've received explaining my situation to every time. During that time not one customer service representative offered any solutions, input, etc ... till XX/XX/XXXX. In XX/XX/XXXX I was told to go online and do the IDR/Forbearance form and send it. Well I did! First week of XX/XX/XXXX I spoke to XXXX  ( XXXX  ) and she notified me it was taken. So AGAIN I explained my situation to her. At that time she told me she would make note on my account, send me out a dispute, AND IDR by mail. Just received it TODAY XX/XX/XXXX when on the letter its dated XX/XX/XXXX. XXXX ( XXXX ) called me a week after and AGAIN I explained my situation to him and told him XXXX made a note in my account. XXXX informed me there was no such thing. Back to today, about an hour ago. I explained my situation to XXXX  ( XXXX ) as I have done so many time since XX/XX/XXXX to numerous attempts to resolve, ask for help, etc ... Guess what she just did for me in a matter of minutes over the phone? SHE PUT ME INTO THE INCOME DRIVEN REPAYMENT PLAN, RESOLVED WHAT I'VE BEEN TRYING TO ACCOMPLISH SINCE XX/XX/XXXX ON. Your customer service need to be retrained, come to work AND work! Do their jobs! And be able to do what XXXX did in minutes, This all could of been taken care of long ago if your customer service acted as XXXX did today, I FINALLY got someone who knew what to do, and did it. NOW, I'm not going to stop there. I'm going all the way with this, I refuse to accept my credit score dropping 135 points because your staff doesn't want to do their jobs. I'm the one whos suffered, I'm the one who's tried taking care of this long ago, I'm being responsible in doing everything since day one to handle this. XXXXXXXX XXXX  has not! Now I'm stuck with a credit score that's unacceptable to me, my other creditors, and any plans on buying a house in the future, private loans, etc ...

XXXX deserves recognition for her work today with me! The rest of the customers service representatives I've dealt with in the past need to be terminated immediately!
I have a collection accounts on my credit report and they do not belong to me, XXXXXXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00}
XX/XX/XXXX-opened a " checking '' account with XXXX XXXX it is advertised as a checking account XX/XX/XXXX-fund account 1200.00 - my merchant banking deposits from processing my business credit card is connected to this account.

XX/XX/XXXX-i contact XXXX XXXX to ask where my debit card for my account is they say it would arrive within the next couple days XX/XX/XXXX-still no card and im now being told that it will be another 14-18 days for it to arrive ive also been told that this account is not a checking account as it was advertised online i can not order checks to this account. it is just a debit card. that is not what i signed up for or agreed to " free checking '' because of app problems i can not link another external account to withdraw my money. i have also contact XXXX XXXX XXXX who actually holds the account and the phone just rings and rings.
I booked a flight through XXXX on XX/XX/2017 which was XXXX leaving XXXX to XXXX on XX/XX/2017 returning on XX/XX/2017 arrived @ airport@XXXX. for catching plane@XXXX. went to ticket counter to get boarding pass & ask if i could take my XXXX suitcase on with me, agent said yes get to XXXX lotion was over the amount to travel so i went back to ticket counter to check the suitcase in agent stalled me & said she is processing to check luggage then she said i 'm sorry it 's to late to check in & if i check your luggage you will miss your flight i replied that I have enough time to catch my plane can I speak to a supervisor, she replied she is at the airplane boarding passenger she is busy she will be with me after she finish, XXXX was the supervisor, she stated to me she will not be able to help me its nothing she can do about my plane leaving & i can call customer service to re-book another flight, & told her staff lets go we are officially closed, I sat in that airport calling customer service I spoke to XXXX explained the action of XXXX staff she stated she would refund my monies for the inconvenience, & put me up in a hotel & there would be no charge for checking in my luggage i did n't leave i waited for the counter to open@XXXX. spoke to XXXX the supervisor, explained what XXXX said & stated there would be notes to confirm, XXXX said to me it will not be valid if i want to catch a plane the best i can offer you is standby & you need to pay & XXXX for the XXXX passenger & {$30.00} to check in your luggage i replied I had a round trip ticket paid, so i was force to pay amount on XX/XX/2017 I wanted to get home I contacted my credit card services elan credit card services ( Gateway Metro Credit Union ) to file a dispute on XX/XX/2017 I have been giving the run around for an entire month being shuffle from card member services representatives XXXX to supervisor, ( XXXX ) of Disputes I was told that they will figure out how to get monies return to me because they are not sure what it would fall under instead i was given the run around to send in rebuttal i did by fax still denied so I am reaching out to get a resolution to receive all my monies that have been paid to XXXX, I also am complaining the actions that elan credit services taken on XX/XX/2017 had terminate the use of my credit card i feel this is so disrespectful as being a customer.
XX/XX/XXXX third court date for XXXX XXXX XXXX XXXX for Motion for relief from automatic stay. They sold our property on XX/XX/XXXX for {$240000.00} back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as trustee for the  certificateholders of the XXXX XXXX initial publication of the Notice of Sale was : $ XXXX.Mortgage Servicer Specialized Loan Servicing failed to evaluate or consider our loss mitigation application giving us the runaround about paper work sent or not sent and foreclosed on our loan knowing we were in default. Than a notice of sale was posted on our door .Statement fees and balances change drastically due to dual tracking and being put in foreclosure prior. On XXXX website ( XXXX ) house states sold on XX/XX/XXXX for {$240000.00} asking price XXXX They state its a 3 bedroom 2 baths with 2 units.Its in fact 1 bedroom NO garage NO 2 units. XXXX  states same and XXXX {$300000.00}.
Why would they keep asking for the courts blessing of the sale it was supposely SOLD legally?
We went to a local non-attached ATM at a local bank to put money in that we were saving for a week. We put a stack of {$20.00} bills into the ATM. The ATM ate some of the money and sent out a piece of paper telling us to call a number. We deposited the money that the ATM spit out and got a receipt for that money. The money is question is {$380.00}! We called the XXXX number. They put a temporary credit on the account for {$380.00}. That money was removed by the bank a month later. We went to the bank manager to see what could be done. We were supposed to be getting a call back about this matter. We waited a week because we received no call back. The bank manager said that he could not help us because there was no overage from the third party that runs the ATM nor from the bank. We went to the branch on XXXX XXXX where they know us by sight. The agent there made a complaint about the bank manager in the branch that we went to. She also found that although we had changed the address on the bank web site the change of address had not gone through and we were told to never change the address on line because it dos not work correctly. We were at a gas station low on gas when he bank card did no work due to the credit reversal. That is how we found out that the bank took their credit of our money back. The bank sent us paperwork to a P.O. Box that we had closed awhile back. We had to take a loan out to cover our bank account at that point. We received a rebuttal form in the mail and we called the bank about this matter again today. We were told that this could take 45 days if this gets approved. Where is our money?
My student loans ( Sallie Mae ) are reporting as charge-offs on my XXXX credit report. I applied for forbearance and was approved. I received an alert from XXXX and noticed my credit score was greatly impacted due to my student loans reporting incorrectly. I 'm confused because on credit bureau is reporting them as charge off, XXXX is reporting them as positive Installments, and XXXX has deleted them entirely. I 'm not certain which credit bureau is reporting correctly. I 'm not certain what to do at this time. Within the last year, I have been paying my bills in a timely manner. My credit score has decreased from a XXXX to a XXXX. Please help by forwarding my complaint to the correct party. The credit bureaus are reporting incorrectly.
Yes, I was divorced about 10 years ago and was forced to file bankruptcy. So due to this my citimortgage makes it incredibly difficult for me to make a payment. So while I want to stay in the house they refuse to autopay from my bank account. I call and they XXXX up take it from my savings which I am not sure how they even got that number, and then they proceed to use my mortgage payment and charge me extremely high flood insurance with no notice or bill. This then puts me behind in my payment. So I call try to pay them and they do not take my money. They now want foreclosure so I went to business lawyer trying to make payment and they refuse to take my money. They now want to charge me court fees. To me if you want your money why not take it out as auto payment. It seems all backwards. Then mis- information is given over the phone. I always pay monthly and then principal. So XXXX person told me unnecessary. It is all so unfortunate. Also, no notice that this was happening. They sent a letter dated on XXXX XXXX and I received on XXXX XXXX how does that happen?? Help me pay please. Also I was told my payment not due until the XXXX? So I am not sure if anyone really knows the due date. Also they told me to change the due date I would need to refinance. It seems it should not be to hard to make the payment date on the XXXX of every month if that is when you get paid.
On XXXX XXXX, XXXX I sent an Error Resolution Notice Under XXXX XXXX XXXX by certified and regular mail. 
On XXXX XXXX, XXXX I received an answer from Citizens regarding a credit reporting and dispute inquiry that I had never made and/or claimed. 
ON XXXX XXXX, XXXX I sent a Citizens a wriiten inquiry regarding the XXXX XXXX, XXXX answer to my wriitten error inquiry. 
Citizens failed to acknowledge receipt of this inquiry with five days. 
Citizens failed to answer my XXXX XXXX, XXXX inquiry by 30-days. 
On XXXX XXXX, XXXX I sent a sent another written inquiry for failing to respond and request an immediately answer and the documentation in support of Citizens claim on XXXX XXXX, XXXX.
I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!
Following inquiries on my report are not mine and fraudulent ... Fraudulent Inquiries : - XXXX XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on X/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX on XXXX -  XXXX XXXX, XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17
First National Collection Bureau Inc is the debt collection agency for XXXX XXXX. I am a victim of identity theft and someone stole my personal information and identity and opened up an unauthorized and fraudulent credit card account with XXXX XXXX. The account do not belong to me. First National Collection Bureau debt collectors has repeatedly called me about a debt for {$390.00}. I do not owe the debt to First National Collection Bureau. I have received countless phone calls from First National Collection Bureau in regards to the debt owed and have been harassed, verbally abused, sweared at and threaten with arrest, harm, death and wage garnishment, if I do not pay the {$390.00}.
Creditor agreed to remove my collection once paid. Attached is an email from collection agency that I am no longer liable. I have disputed several times with the credit reporting agency and the account still has not been removes.
My coworker advised that a rep called in to my job. She asked her to verify information about me and she advised that the information was not her information. The rep continued with the call and asked her to pay XXXX that is owed in student loans. My co-worker then hung up the phone. The rep called back and the coworker picked up then hung up. She then called back again from a different number and was advised that I was at break. She then requested to speak to a supervisor. I feel that this is a FDCPA violation, because she verified with someone other than me and once she was hung up on she continued to call back not once but twice. Now they are harassing me and my coworkers making threats to them. I work at XXXX and out of all the XXXX in the USA they happen to know which XXXX I 'm employed at. The name of school in which I attended was XXXX XXXX XXXX XXXX, NC.
Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained.
This company has inaccurate information on my credit report and I want it off my report. I contacted Experian, XXXX, and XXXX on several occasions more recently on XXXX XXXX, 2017 and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the XXXX XXXX XXXX XXXX that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XXXX XXXX, 2017.
I applied for a student loan in XX/XX/XXXX/XX/XX/XXXX totaling more the {$16000.00}. Since then I've lost my job got married moved away and divorce. After losing my job I was unable to pay my student loans or bills. I did however, called the student loan department and file for deferment and forbearance until I was able to resolve my personal situation. It was until XX/XX/XXXXI was able to consolidate all my XXXX XXXX and make one payment. XXXX Reporting Agency is still reporting my XX/XX/XXXX/XX/XX/XXXX XXXX XXXX as delinquent. I've called the reporting agency ( XXXX   ) to dispute the the closed and consolidated accounts and to them remove form my report and there response was to send in a consolidated later form XXXX XXXX XXXX and then the old account can be removed. I faxed over the latter and still not removed, I've called and ask why are the old account still reportingand there response was you have to get in writing from XXXX XXXX XXXX another letter stating, REMOVE FROM REPORT! This has been going on for several months. Back /fourth I called XXXX  agency yet again and ask for the removal and there response was the accounts can not be removed for another 7-8 years from delinquent reported date! That means the old account will have been on my report reporting negatively for more then 18 yrs. HELP!!!