WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage was transferred to Select Portfolio Servicing ( SPS ) from XXXX on XX/XX/XXXX. When my loan was transferred, there were a lot of problems regarding the interest rate coupled with monies SPS suggested I owed, however SPS has yet to provide documentation for the amounts in question. 

I contacted Select Portfolio Servicing shortly after my loan was transferred and adv. that my interest rate was incorrect. XXXX offered a rewards program ( XXXX XXXX XXXX XXXX ). Details below. 

XXXX XXXX XXXX XXXX program provides you with the opportunity to lower your interest rate. After a customer makes 12 consecutive months of on-time payments, the interest rate is reduced by one quarter of one percent ( .25 % ) each year. This rate reduction is available up to 12 times, which means that a customer can achieve up to a 3 percent rate reduction in a minimum of 12 years. This program applies only to closed-end real estate loans. The rate reduction is disclosed in your loan agreement ( not including all states and for all loan programs ). 

I made timely payments for the first 2 years thereby my interest rate should have been reduced from 11.2 % to 10.7 %. 

I submitted a copy of the XXXX loan documentation to SPS. Although SPS has yet to provide documentation regarding the outstanding amounts, it was suggested that the interest rate inquiry was resolved. 

While speaking with a representative on XX/XX/XXXX, she suggested that the effective interest rate on my account was 11.20 %. This was extremely disheartening. 

Indubitably, I am writing to file a formal grievance against SPS for not honoring the terms and conditions of my mortgage contract.
The XXXX XXXX Credit Card charged unfairly a late fee, because I made the payment after the cut off time on the due date. The due date was XXXX, and I paid on XXXX in the evening after I got to sit after home chores and work. I called them, and they stated that because I made the payment after the cut off time I accrued the {$23.00} late fee. ( BIN XXXX )
Trans Union allowed XXXX to pull a hard credit inquiry without my permission. This was done by the XXXX store on XXXX XXXX in XXXX, SC. The store employee who did this was XXXX. After my credit was pulled, she tried to get this reversed. I want this credit pull to be removed from my credit report immediately!
Hello, In XXXX of this year, I received a new credit card from Macys. There was no indication in the paperwork that I received that my account number had changed but, it turns out it had. I had my Macys account set-up to receive ebills through XXXX XXXX XXXX but, since they had changed my account number, I stopped receiving these bills. It seems the first missed payment was in XXXX. The first contact I received from Macys that there was an issue was in XXXX. At that point they sent a letter claiming to have called me repeatedly ( this NEVER happened ) and notifying me that my account was delinquent. I called them and asked that, given the circumstances, they remove the late fees and interest charges. I have immaculate credit and, in more than a decade of doing business with their company, have never had an issue. In attempting to talk to someone about the problem I was repeatedly transferred to departments that had nothing to do with my problem or transferred to " nowhere ''. I finally sent a XXXX message and, again, beyond a courtesy acknowledgement of receipt of my message, I never receive any response from anyone. I have resolved the balance because a, I owe them and b, I care more about my credit than to continue to pursue this losing battle. However, I think someone should be made aware of the fact that they do not attempt to contact anyone until they 've racked up their share of fees and charges and, that a consumer attempting to talk to anyone about the situation is repeatedly thwarted in the most suspect manner. 

Thank you.
Modification request sent XX/XX/XXXX Docs uploaded XX/XX/XXXX Follow ups until advised on XX/XX/XXXX told alternative income needs to be sourced, unable to reach anyone in department ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) finally spoke to rep XX/XX/XXXX who advised insurance payment is in wrong field. Resent borrowers affadavit with correction XX/XX/XXXX XX/XX/XXXX spoke to SPOC XXXX called weekly XX/XX/XXXX called advised modification denied, no reason in notes, XXXX rep, advised would escalated and reach out to management Advised to send in notice of appeal if no follow up call in 5-7 days from underwriter. XX/XX/XXXX filed appeal XX/XX/XXXX advised appeal request has been received bt it needs additional docs, XX/XX/XXXX sent appeal request hardship letter and docs XX/XX/XXXX spoke to rep XXXX adv 5-7 days to review appeal XX/XX/XXXX after calling weekly with no updated none of the call backs were returned, escalated file, sent email copied Loan Care upper management XX/XX/XXXX received email from XXXX XXXX advising forbearance was approved, received forbearance request, for a 12 month period in the amount of XXXX per month. ( Unemployment income was XXXX per week, daycare XXXX week, car note, car insurance, food gas, yes dint make sense, XX/XX/XXXX reached out to SPOC, spoke about negative credit impact, advised worked for a bank and needed this issue remedied in order to get comparable income to pay mortgage, stressed the longevity of this process, negatively impacted my chance to obtain a credit car increase, personal loan ect. Was advised delinquency unlocks programs to aide customers, versus customers who are not delinquent. XXXX due to negative impact further hindering permanent job opportunities/ forbearance agreement not thought out, and poses a negative customer impact, would prefer Loan Modification. Advised per pay stubs I am working, and would prefer mod. Resubmitted package, to SPOC, was advised this would be sent to underwriting and should hear something prior to first forbearance trial payment ( X/X/17 ) XX/XX/XXXX received email that processor needed me to resubmit docs, not new docs but the same docs. i thought maybe I had saved them wrong. XX/XX/XXXX advised file is with processor, not underwriter, file had not been reviewed. Finally 4 month later I am told after numerous callback request going unanswered that XX/XX/XXXX my file was assigned to underwriter 4 months later My ultimate goal is to shine light on the negative impact caused by the longevity of this process and it further hinders financial resources be accessible to person who reach out for help. Additionally, the purpose of the SPOC needs to be more functional, able, to grab a file, decision and run past management to reduce underwriters pipeline, and deescalate certain situations.
When I moved from a house to an apartment, I overlooked a bill from the house, and XXXX called me. I moved into my apartment in XXXX, yet paid the bill in XXXX of 2013, in two payments of {$180.00} to XXXX. All of a sudden, within the last year, I am getting hit on my credit for whatever this {$320.00} amount is from Enhanced Recovery XXXX, who say they are collecting from XXXX. I am still with XXXX, and have been for over 15 years. I have called XXXX and they said I do n't what this debt is from ERC, and told me I do n't owe them anything, nor have they reported anything to ERC. So, someone sold Enhanced Recovery XXXX a lie, or they are bogously reporting this to get $ $ $ from me. I have told them over and over through many, letters that I DO NOT OWE THIS AMOUNT!!! They have NOT provided the proper information proving that I owe this debt, because I guess they do n't think the rules apply to them, but they keep sending me canned letters, and have once again, brought my credit score down again, reporting it as a new debt. I would pay it, if I owed it, but I do not. Seriously rediculous and frustrating, and these people are crooked.
Back in XXXX I disputed information about a Tax Lien that was EXPUNGED. That information has now re-appeared on my report showing satisfied or paid which is FALSE, INACCURATE AND FRAUDULENT.
Back in XX/XX/XXXX, I signed up for the official XXXX XXXX XXXX credit card ( issued by the First National Bank of Omaha ) to further support the organization and its support of the shooting sports, youth education and the Second Amendment rights were all guaranteed by the Constitution.

In XX/XX/XXXX due to social pressure from the media and anti-gun organizations, they terminated the program - without notice to card holders. Many of whom who dont have multiple lines of established credit to fall back on.

When I heard of this from the XXXX  newsletter I contacted the bank ( on XX/XX/XXXX ) and was told that my card and account would not be renewed and basically given no option other than to close my account. ( Keep in mind that my account has always been in good standing and was always paid as agreed or better than agreed. ) Banks are required by law to be equal opportunity lenders and to not discriminate against their customers. In this case Im being discriminated against because of my membership in the XXXX and being an American citizen who supports and respects our constitution and the law. Im also effectively being denied credit based on their own political beliefs.

This practice of virtue signaling and imposing their own political agenda goes completely in the face of laws guaranteeing equal opportunity to banking customers and anti-discrimination/fair credit rules.
I attempted to get my " annual free credit report '' from all three companies online. I was denied, online, by all XXXX. I printed the form and legibly filled it out with my information, I also copied, clear and legibly, my Utah Drivers Licence, US Passport, Employee ID ( with photo on a debit card ), Social Security card, Birth Certificate, utility bills & pay stub. The exact same " package '' was then mailed to all three credit reporting companies. XXXX has replied and sent me the " credit report ''. Experian replied with a form letter stating : " We were unable to honor your request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible ''.
XXXX, Equifax, & XXXX are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.
I had XXXX cell phone service and switched to XXXX when they where offering to pay off last bills to switch to them, XXXX failed to send payment to XXXX, XXXX sold account to XXXX a collection agency I paid them and requested that it be removed from all 3 credit bureau XXXX and XXXX  agreed to remove, XXXX and Experian are refusing my dispute to have it removed. XXXX has removed but XXXX and Experian have not even though the actual debtor is requesting for it to be removed!! Also i have made 4 request in the past XXXX to get my final bill from XXXX and i have yet to receive anything from them other than verbal confirmations of we are sending them to you.
I signed up for a Citibank card at Best Buy with an 18 month promotional balance ( XX/XX/XXXX ), though it is a card that can be used anywhere. I was informed that cash rewards would be credited to the account. I never received any rewards. I paid off the promotional balance ( as of XX/XX/XXXX ) and began using the credit card ( as advised in order to receive rewards ). After the 18 month promotional balance, I was charged interest as though the promotional balance had not been paid off. I contacted the company on 3 separate occasions, first to understand why I was charged such an outrageous amount of interest, then to prove to the company that I had paid the promotional balance, and lastly, to inquire about closing/freezing the account. Customer service was incredibly rude and offered no options for correcting this. They informed me that they could not see prior to the past 6 months, but then told me that the promotional balance was never paid ( seems difficult to see if they can only see the last 6 months ). I am now waiting 8-10 business days to receive all statements ( paper ) since the account was open to present back to the representative.
Ca n't afford to pay the monthly payments. Contacted the provider and they stated they ca n't do anything for me. I 'm not sure why I 'm paying for a loan for a degree that does n't exist.
I received a notification from XXXX on XX/XX/XXXX indicating that a new account had been reported on my credit. 

XXXX XXXX XXXX reported a fraudulent XXXX XXXX account that was already removed from XXXX in XX/XX/XXXX. This action violates the the Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. 

Additionally XXXX XXXX XXXX did not send a written notification. This action violates the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.
As suspected US Bank has overcharged me on fees across all three credit cards I had with them. They sent the attached letter over a month ago but havent returned the money I am owed. 
Please have them refund all fees from all XXXX credit cards I had with them Thanks
I have sent multiple requests to myfedloan.org to tell them how I would like my additional payments to be processed. I have been paying extra every month, and want the highest interest loans to be paid first - duh! Well after 2 months of requesting to apply my extra payments to principal, and 2 months of my payments being applied in the same way that they always have, I 'm losing confidence in them. I have saved my email correspondence with myfedloan.org ( though, they have never personally responded -- I only get canned, automated responses ). they are costing me thousands in interest, and I want to get this resolved as soon as possible.
There are about 50 inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought my car.
I received your response oh We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of your dispute on XX/XX/2018, the account which was reporting a deceased remark no longer appears on your TransUnion credit report. In addition, we have sent a corrected copy of your TransUnion credit report to XXXX XXXX.
XXXX has over charged with their over charge in fee 's and other cost 's, that should not even be legally charged to customers. After ending my services with them they went ahead and continued to over charge in fee 's and other charges.
There are two account loans listed on my credit file that are my sons and outdated which the DLA is inaccurate. I 'm requesting these two loans be removed off of my credit file ASAP they are XXXX # XXXX for {$51000.00} XXXX # XXXX {$49000.00}
Lender GreenTree / Ditech has : 1. Refused to provide me with WRITTEN DISCLOSURE/INFORMATION as to the REASON WHY they are denying me with loss mitigation avenues to foreclosure ( Deed in Lieu, Short Sale, XXXX, etc. ) to the property in question, this after several years requesting all communications and information relating matter be submitted in writing due to my XXXX. 
2. Refused to provide me with FAIR AND EQUAL TREATMENT in mortgage loss mitigation as allowed to anyone else in my same financial situation when it is unequivocal people in my situation-currently not working since XX/XX/XXXX2015-would qualify for such remedies. Therefore, lender GreenTree / Ditech is discriminating against me. 
3. Lender GreenTree / Ditech claims my regular monthly payment ( principal, interest, taxes, etc. ) is {$5300.00} when the original monthly payment mortgage agreement clearly indicated a much lesser amount of around {$2600.00} total. Lender has been dishonest and corrupt enough to refuse to explain this massive discrepancy in writing also. 
4. Lender GreenTree / Ditech is adding {$2700.00} in monthly charges, due, and fees and once again refuses to explain such ludicrous charges in writing.
When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as Navient XXXX These accounts were closed and charged off over 10 years ago and Navient is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact Navient and also disputed with the credit bureau ( XXXX ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- XXXX
XXXX XXXX XXXX financed our XXXX XXXX XXXX, in XX/XX/XXXX, I called XXXX and spoke with a representative to ask for assistance because my payment was late. The female representative noted my account and told me as long as I made the payment I did not have to worry about repossession of the vehicle. However, on approximately XX/XX/XXXX, my husband contacted XXXX XXXX XXXX to request a payoff of the XXXX XXXX XXXX, because he was attempting to trade the vehicle in for a vehicle with a more affordable payment. The man representative he spoke with, began telling my husband he needed to make a payment first. My husband explained he was not able to make a payment at the time, however I was going to make one. The representative still would not tell my husband the payoff amount. My husband then explained that he was trying to trade the vehicle in for another vehicle, which is why he was requesting the pay off amount, therefore the vehicle would be paid off in full. The representative and my husband exchanged words, however the representative never provided the vehicle payoff, he stated he would email it to my husband, which he did not do. He instead made a note in the account that my husband refused to make a payment and stated that my husband wanted the vehicle picked up, because we were purchasing a new one. My husband never stated that, however several days later our vehicle was repossed. I requested to speak with a supervisor immediately and requested the telephone call be reviewed because my husband had made no such request. The representative was simply upset because my husband could not make a payment while speaking with him, so he utilized his position to be vindictive and create unnecessary expenses to our family while we were already struggling. I never heard anything from my complaint or request to have the telephone call reviewed. To make matters worse I recently discovered XXXX placed a repossession on both my husband and my credit, which will affect us in a negative manner in more ways than one for years. Most XXXX representatives are professional and helpful, however some of them are abusive and utilize unfair tactics against loyal customers. The representatives always state the call is being monitored, however when they are being unprofessional the call can never be located.
I contacted XXXX XXXX XXXX on XX/XX/XXXX to discuss a claim application after I had been the victim of a hit an run by an unknown driver. I then was advised that my insurance was canceled due to non payment of my account. I was shocked because I had enrolled on the automatic payment program as they advised and have been ever since my policy commenced. I have spoken with one of the insurance company 's ' representative who informed me that they have tried to take the payment but could not because the funds were not available. I immediately contacted my bank XXXX XXXX XXXX XXXX who states that XXXX XXXX XXXX only taken one payment of {$140.00} on XX/XX/XXXX. In fact XXXX XXXX XXXX had not taken any payment from my account since the first payment scheduled XX/XX/XXXX and instead reported to the bureaus that I was in default of {$70.00}. My bank provided me with a detailed print out of my statement of account for my checking and savings account which are both linked and have been in credit of over {$7000.00} for since XX/XX/XXXX continuously until present. We, both my banker and I are perplexed as to how this company can give the explanation that the funds were not available in my account for withdrawal. I have attached a print out who will also attest that there has been no attempt by XXXX XXXX XXXX to draw from my checking account as listed on my agreement XXXX.
I plan to finance a house and I 'm currently shopping for a mortgage through various lenders. As long as I 'm aware, once my credit report is inquired- I 'm good to shop around for same product and my credit score wo n't be impacted. However, my credit score dropped 7 points after I applied for a loan through my own bank ( Bank of America ). Now if this continues, I wo n't be able to find a fair product in the market and my credit score will drop significantly with each inquiry for a similar loan.
Comerica Bank refuses to send legal proof : Comerica Bank refuses to send legal proof to support withholding {$4500.00} from my checking account. 

My current bank statement does not have a line item to support withholding {$4500.00} from my checking account and why I can not use my Check/ATM Card. 

See attached proof.
I have sent in letters to XXXX XXXX, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.
I just do n't make enough money to repay these loans. XXXX made me take out loans against my better judgement as a XXXX XXXX XXXX child with XXXX XXXX XXXX XXXX, and Great Lakes Student Loans. 

To XXXX XXXX XXXX XXXX i owe - {$23000.00} To Great Lakes Student Loans i owe - {$49000.00} This was all for a XXXX XXXX XXXX no one will even look at because it says XXXX on it. Please help i am getting physically ill from the stress of dealing with these people.