WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has another ridiculous excuse not to do the modification on my loan. The first go around they were going to use gross income, actually gross is what they asked for on the application, but now they are not. They will only use {$400.00} out of {$1300.00} of my mothers Social Security. The reason is my mother must have prescription drugs she has to pay for on a monthly basis. True, she pays {$15.00} a month for her XXXX prescriptions, because she has prescription coverage with her Social Security. This is no reason not to use the full amount of income or at least the {$1200.00} my mother contributes monthly to our household. They only add just enough of my mothers income to keep the ratio over the percent needed to modify. They have tried everything including mistakes, not to do the modification of this overinflated loan and their added high-interest rate. Now they are moving forward to foreclosure and proceed with the sale. I sense some " age discrimination, '' or they are XXXX and can plan my mothers XXXX because XXXX said my mothers income is not secure. Well, my mothers Grandmother lived to a young secure age of XXXX.
This record serves as a complaint against Cardinal Financial NMLS XXXX, loan officer XXXX XXXX NMLS XXXX and specifically his manager XXXX XXXX NMLS XXXX. I was initially locked in for a conventional fixed 30yr mortgage at 4.125 % with 15 % down payment. The points for the loan were waived at this time. A few days before closing the company sent a disclosure for interest rate of 4.250 % when I increased my down payment to 20 % to avoid PMI. The company also charged me for points where I had to pay an extra {$340.00} after waivers. They even asked me to sign the disclosure for the 4.25 % interest and then they would fix this issue. Mutiple calls were made to the loan manager who did not return voicemails to explain the issue. The company increased my interest rate after loan lock in, coercing me sign disclosure so I would not loose my deposit just 3 days before closing. This issue was not fixed until I threatened to make a complaint and to sue them. I still had to pay an extra {$340.00} for loan points when they were initially waived. I had to do this so I would not loose my deposit for the house coercing to sign inaccurate closing disclosures. I have proof of all the disclosures. I had to extend my closing date and they even charged me an extension fee. I perceived that the loan manager XXXX XXXX NMLS XXXX showed ethnic bias.
Navient is my loan servicer and they have been nothing but rude, unprofessional, unhelpful and harassing. I have tried on numerous occasions to settle the debts and they refuse. Then they offer me a forbearance -but never send me the paperwork - instead they report me to the credit agencies saying I did n't make my payment. I have been unemployed and called them to ask for reduced payments and they wo n't cooperate. They are calling and emailing me non-stop even though I ask them not to. All I want to do is settle the debt or get the monthly payment reduced and they play games and report me to the credit agencies as being delinquent.
I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XX/XX/XXXX, and again on XX/XX/XXXX. Experian told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX/XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.
I upgrade my credit card with American Express and I was told my reward dollars would be transferred to my new card, I doubled checked before I cancelled my old card and was told that my rewards {$35.00} would move over to my new card so I cancelled the card.I waited two weeks to check on my rewards and was told they ca n't transfer the money, I lost the money.
Please find enclosed printed account records to support the following problem with my accounts. On XXXX XXXX, 2017 I  made a mobile/Internet Banking transfer of {$1000.00} USD from my HSBC Premier Checking account # xx-xxxxxxx to my HSBC Premier XXXX account # XXXX, Transaction Reference # XXXX. As the records indicate the amount was debited from the Checking account but was not received in the XXXX account. This has affected the balance as now incorrect and caused more interest to be charged than should have been. 
Would you please look into this matter at your earliest possible opportunity and post the corrected amount to my XXXX account and adjust the interest payment. 
Sincerely,
When I made my purchases with best buy the customer service representatives never said anything about having a deferred interest promotion all they said was 12 months interest free ... NOTHING WAS EXPLAINED OR SHOWN TO ME ABOUT DEFERRED INTEREST!! I feel completely taken advantage of and abused by this bank because I have large payments I ca n't afford and did n't plan on having on my account. I want at least some of the interest waived and a payment plan that will help me get this account paid down or I will continue complaining to every agency I can find
was told they are not going to do a hard pull on m y credit score. it t hey did.. they lied ...
I AM BEHIND IN MY MORTGAGE SINCE XXXX I WAS SENT A DEFAULT LETTER BY SPECIALIZED LOAN SERVICES ( MY LENDER ) IN  XXXX, WHEN I GOT THE DEFAULT LETTERI IMMEDIATELY SENT SPECIALIZED LOAN SERVICING A CHECK FOR THE 3 MONTHS I WAS BEHIND, SLS SENT BACK CHECK WITH A LETTER STATING THEY ARE NOT ACCEPTING THE CHECK BECAUSE IT IS PAST 90 DAYS PAST DUE. I IMMEDIATELY HIRED AN ATTORNEY ( XXXX XXXX XXXX. ) TO PREVENT FORECLOSURE DEFENSE.IT HAS BEEN OVER 2 YEARS AND MY AREERS HAVE KEPT GOING UP AND THE HOLE HAS BEEN GETTING DEEPER, AS THE LENDER SLS REFUSES TO DO A LOAN MODIFICATION, HOPING TO DRAG THERE FEET LOMG ENOUGH SO I CANT CATCHUP AND THEY WILL FORECLOSE ON MY PROPERTY.I AM XXXX XXXX XXXX   XXXX AND CANT WORK, I RECEIVE XXXX PENSION FROM THE XXXX, SOCIAL SECURITY XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX. I WAS ADVISED TO REACH OUT TO A COMPANY XXXX AND THEY HAVE A PROGRAM ( MAP ) THAT HELPS WITH THE AREERS I DID AND SHOWED THEM MY INCOME AND WAS APPROVED FOR {$80000.00} PLUS I HAVE {$20000.00} SET ASIDE TO INJECT TO EQUAL A {$100000.00}, SO I TOLD MY ATTORNEY ON XX/XX/XXXX TO OFFER THE LENDER {$100000.00} AND I WILL BECOME CURRENT ON MY MORTGAGE ND I WILL START PAYING MY MORTGAGE AGAIN. THE LENDER TURNED DOWN THE OFFER OF THE {$100000.00} STATING IN A LETTER TO MY ATTORNEY THAT I OWE {$110000.00} IN AREERS AND THEY WANT THE FULL AMT. NOW THAT IS A DIFFERENCE OF {$12000.00}. THIS LENDER SLS HAS A COURT DATE WITH MY ATTORNEYS ON XX/XX/XXXX, WHY WOULDNT THEY ACCEPT THAT OFFER WE ARE DOING ALL THAT WE CAN DO AT THIS POINT THE LENDER IS NOT. THE MOST MAP CAN GIVE IS {$80000.00} AND THE MOST I HAVE IS {$20000.00} I FEEL THIS LENDER IS NOT COMPROMISING AND TRYING TO WORK OUT MY MORTGAGE SO I CAN STAY IN MY HOME. I HAVE TO AT THIS POINT TO KEEP MY HOME I HAVE NO OTHER CHOICE BUT TO FILE BANKRUPTCY IN FEDERAL COURT, AS I DONT WANT TO, AND THE FACT IS I HAVE GOOD INCOME, BUT BECAUSE OF THE LENDER TURNING DOWN MY OFFER OF {$100000.00} TO NOT EVEN MOTIFY THE MORTGAGE JUST TO PAY THE AREERS THAT IN MY OPINION DRAG THERE FEET CAUSING THE AREERES AND ADJOURNING THE CASE AND THE MORTGAGE GOT STEEPER AND INTEREST GOT HIGHER AND HIGHER, IT WAS THE LENDER WHO CAUSED THIS AND NOW I MAKE AN OFFER TO FIX THIS {$12000.00} THEY REFUSE IS UN-HEARD OF AND THIS IS WHY I HAVE TO FILE A CHAPTER XXXX BANKRUPTCY BECAUSE THE LENDER DOESNT WANT TO WORKOUT THIS MORTGAGE. I TRIED BUT THEY HAVE NO DESIRE TO ASSIST IN THIS MORTGAGE THEY WANT TO FORECLOSE AND I HAVE TO KNOW FILE A CHAPTER XXXX TO KEEP MY HOME.
I have been trying for two weeks to get my credit freeze thawed so I can complete a mortgage loan I am working on. I did n't have my security pin so I called Transunion to find out what I needed to do. I was transferred to XXXX where I was told that they would mail me a new pin in XXXX days. I never received the pin, I called back and they said they would mail me another one. I needed the credit freeze thawed so I insisted that I need it done now. I was told they are n't allowed to do that. I asked to talk to a supervisor and I was given the same story. I asked to speak to the supervisor 's boss and I was told I would have be transferred to XXXX. I was transferred and the lady I spoke with said if I sent a fax and a copy of my drivers license that they would thaw my credit. I tried for two days 100 's of times and the fax number is always busy. I called back to the number in XXXX and I was told that they get so many faxes to the number that it is always busy, but to keep trying. It is crazy that a company as big as Transunion ca n't handle a simple credit freeze removal. Only one fax number for 1000 's of customers is definitely customer no service.
XXXX XXXX Account Number : XXXX The account was disputed before because of an extra fee assessed of {$2.00} after the account had been paid in full AUTOMATICALLY ; XXXX was not aware of the {$2.00} fee because the account was setup as AUTOPAY, yet according to the customer service department that fee could NOT be collected by the automatic pay system, because you had to come to the store in person to pay.. I was not informed of this procedure until I called to dispute the negative information. They said they could NOT clear the credit bureau rating although I battled that the account was on autopay they had the capability & authorization to collect payment, therefore how were they going to classify it as " late payment '' ..Again this account is still on AUTOPAY. I explained that this account has never been late ( please see attachment ) until this {$2.00} issue. Now my biggest concern is that my employment is credit score sensitive and due to this issue my position is in jeopardy. Now I understand if these late payments were because I owed and failed to pay but this is not the case and for XXXX XXXX to deliberately harm my credit report / credit scores, it just plain unfair. When I spoke to customer service they said that they were reporting correctly and that they were not going to remove the late payments. 

PS..THIS PREVIOUS ISSUE OF THE {$2.00} FEE, JUST HAPPENED AGAIN, I NOTICED IT Again..
I received a request from " Money Network '' to verify my identity. The request was for XXXX of the following items : Social Security card, Passport, Driver 's License, Military I.D., Green card, etc. 
The letter said they needed these documents to upgrade my account to a Premier Account. They asked for the documents to be mailed to Money Network, XXXX XXXX XXXX XXXX, XXXX GA XXXX. Or, fax to : XXXX.
I have been making payments on my students the best that I can since I made a payment arrangement to make interest only payments I have been making those payments of {$210.00} for almost 4 years. Recently I had a baby which would make my XXXX  child and was off work for the 3 months. While I was off work I was responsible to pay my portion of my health insurance due to not have any paid time off I paid my portion to keep my health insurance while my employer paid their part. My portion was {$230.00} to pay as you can see this took from me financially but it was need thus I could not make my student loan payments for the months of XX/XX/XXXX and XX/XX/XXXX. I finally made a payment in XX/XX/XXXX and now they continue harassing me telling me I am delinquent still for XX/XX/XXXX which I understand. I explained to Navient the situation the financial hardship and they informed me that if I did not make two payments in the month of XX/XX/XXXX I would be reported the Credit Bureau and for the delinquency. I have XXXX children and a XXXX XXXXXXXX mother I have to provide for not playing the victim but I can not afford for my credit to be damaged this will affect me from getting future credit in case of emergencies. The fact of the matter is if you pull my credit you will see that I have a very good credit and I do make it my obligation to make payments on time even if it means going with out myself. Navient is a lender that should be barred from lending to anyone because they have broke the law many times and taken advantage of me. I have made payments several years and my balance have not budged at all it is disgraceful.
XXXX was servicing my mortgage and sold it to Carrington Mortgage Services. I was double charged on my first auto draft payment to them ( permission provided from XXXX ) and when speaking with the representative on the phone, acknowledged the charges but said there is no way to reach the department or anybody that can fix these issues other than through fax or hand written request and a delay of 3-15 business days upon receipt and verified proof of double payments posting. On top of this, I suggested skipping a payment the following month to avoid the hassle and was told that the next month 's payment would still be taken from me and I would be ahead of the payment cycle until the loan is paid in full. 26 years later. The double payment that was taken did not post the second amount to the principal balance and instead still applied both as full regular payments. To take double the payment when not allowing for a payment in excess of the amount due is one problem, and then not being able to easily refund the stolen funds is certainly another. Any assistance you can provide would be greatly appreciated. Thank you.
Upon reviewing my personal credit report I noticed XXXX collections that I have no knowledge of. 
1.XXXX public library2. Unique Management services , inc. 
for the amount of $ XXXXThis debt is not mine.After finding this information I quickly called XXXX parties on the collection and told there must be some mistake. the collection is from overdue/lost books from the library in XXXX XXXX XXXX.I believe they have myself mixed up with my brother.We share the same XXXX and XXXX names aswell as the same XXXX initial of our middle names.I spoke with XXXX companies and seemed like all they wanted was money instead of finding out who when what and where.I explained to the library that they must have me mixed up with my brother and that I live halfway across the united states for years now and there was no way this could be me.I asked for proof of debt and was told that they only have a name and address on the account.I asked if they have a driver liscense to go along with the library issued card pertaining to the account and was told they do n't have that information just a age range XXXX ( perfectly fits my brothers age ) .I was told there was nothing they could do. 
I sent a certified debt validation letter to the collection agency asking for proof that this is my debt and all I got back was a name an address and a list of overdue/lost books and an amount of collection. 

the address they have on file for this account was my childhood home until I moved away, my brother of the same XXXX XXXX and middle initial name still lives there. 

for this debt to be mine is next to impossible.Please help and Thank you
on XX/XX/XXXX I had my 2 PayPal accounts permanently limited. I was told via email that I will be able to withdraw my funds in 180 days which is an exceptionally long time. I was also told I will receive an email when it was available. 

I appealed this decision and it was denied by PayPal on XX/XX/XXXX and again I was told that I would receive an email within 180 when my money was available. 

I never received an email after that and it has been far more than 180 days. I tried to withdraw my money this week in both accounts and PayPal would not let me, saying there is a problem with my account. 

One account has {$23.00} and the other account has {$360.00}
I purchased a XXXX from Auto Now Financial also known as XXXX on XX/XX/2016. On XX/XX/2016 someone wrecked into me totalling my car. The dealer Auto Now Financial informed me of a program they offer to get me into another car through their company once the insurance company paid off my XXXX. The program was explained to me that I only pay {$98.00} to drive off the lot. This money covers the auto insurance that they provided for me. I chose a car on XX/XX/2016 a XXXX. Within XXXX or XXXX days of driving the car I returned it to the dealer complaining of the front end did not feel safe. I was told they do not cover new tires. I then took the car to another mechanic and was told the XXXX was not safe to drive on and would need to be fixed immediately. I then took it back to Auto Now and informed them of this. They kept my car for one day then rerurned it to me stating it was the tires and again it is not covered under warranty. I requested that in writing and they refused. I then contacted the finance department and informed them I will not make the scheduled payment of {$500.00} due on XX/XX/2016 or the first payment of {$210.00} due on XX/XX/2016. They repossessed the car on XX/XX/2016 when the temporary plate had expired and sold it in auction on XX/XX/2016. Auto Action then reported the car on my credit report as an open loan for {$10000.00} showing XXXX payments being made in good standing. Their action has kept me from being able to finance another vehicle. I was informed by another dealership that a loan is not funded by the lender if the buyer fails to make the first payment, ie down payment. I have information about the issues with the car from the previous owner of this vehicle showing the malfunctions were previously known by the dealer. These actions look like various forms of fraud by the dealership not only to consumers but to financial institutions and insurance companies as well.
I had a Wells Fargo credit card involved in the XXXX Wells Fargo account fraud scandal in which Wells Fargo sales representatives without consent of pre-approved customers created fraudulent charge accounts and collecting fees. Wells Fargo 's corrupt actions resulted in a multiple XXXX dollar law suit and settlement on thousands of accounts. I disputed on several occasions providing written complaints with wells Fargo in XXXX and XXXX. I explained that I was paying my account monthly through their electronic payment process which was suddenly stopped in XX/XX/XXXX. I contacted Wells Fargo and was advised that they had no record of my account. I never received any written, telephonic or electronic notification from Wells Fargo since that time. Upon review my recent credit report it revealed that Wells Fargo had closed my account, charged late fees, and charged off the account as a bad debt. I was never received any written notification or telephone calls from any collection agency regarding my account. As a result of their action my credit score was damaged. In XX/XX/XXXX, I again contacted Wells Fargo by telephone and was again advised that they had no record of my account and hung up. I would like the CFBP to look into this improper consumer behavior and assist me in resolving this matter.
The Fair Credit Reporting Act ( FCRA ) allows the consumer to get a free credit report if an application is denied. However, the consumer can only get a free report from the credit reporting company that provided the report used by by th lender to make its decision. We were denied credit when American Express cancelled our account. Under law, American Express should have properly provided instructions for us as to how to request our report from XXXX or from XXXX or more of the other national credit reporting companies upon which American Express relied in its decision to not reinstate our account, which is legally of the same significance as an application for credit being denied and is therefore subject to this legal requirement. American Express has not done this. Furthermore, our account was cancelled in retaliation for us exercising our legal rights through FCPB. Our account was never charged interest, and all late charges were reversed. This shows we were never late, and the truth is we had a valid dispute that was never properly investigated. All we ever asked for was a line by line reconciliation of a total that was greater than actual charges that we made. We said over and over again that if American Express could show us what we owed and where the charges were, we would gladly pay them for these charges. We did dispute as well an unauthorized charge, which American Express paid, refusing to honor our wishes. We also believe American Express closed this account wrongfully so it did not have to pay out on our rewards points, and but for the crediting of the account of the late charge days before their closing of the account ( an admission we had a valid legal dispute ) we would not have made certain substantial charges on the account, and would have used cash instead. Also, it seems the complaint I made about this same thing on XXXX/XXXX/2015 has disappeared from this complaint process, and it was not a double complaint -- it was a first on the above subject.. So what happened to my complaint of XXXX/XXXX/2015? And XXXX more thing, the only way I ever get a response from American Express is through their response to this complaint process, and as you can see they state my letters will only be filed and not responded to by American Express -- proof again that American Express has refused to give us any answers about the fraud in this account from which they have benefited directly through collection thereon.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.
I paid Lexington Law Firm a total of {$500.00} from XXXX XXXX to XXXX XXXX. I paid them to remove negative items from my credit reports. Lexington Law Firm did not remove any negative items from my credit reports. XXXX XXXX XXXX credit reporting agencies )
I have a a unverified account from XXXX XXXX XXXX XXXX XXXX. I had previously disputed this account with XXXX XXXX XXXX XXXX. I have never done business with your company or XXXX this account was never verfied and was deleted from my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX