WillisBack/dataset-financial-user-claim huggingface dataset:
After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the Chase Auto continues to ignore their duty and remove the negative error from my credit reports.
There is a significant amount of information missing on my Experian credit history. This is leaving me unable to qualify for a home loan guaranteed through the Veteran 's Administration. A large part of a consumer 's credit score is revolving credit history, such as bank credit cards. I have a XXXX XXXX credit card. The XXXX XXXX card has been paid and reported TWICE now to Experian, in XXXX 2017 and XXXX 2017, and yet it still is n't appearing on my credit report. I have contacted XXXX XXXX and they have confirmed they reported the account information to Experian. They have my correct name, address, date of birth, and Social Security number. They have confirmed to me that they reported the correct name, address, date of birth, and Social Security number and account history to Experian. Yet, when lenders pull my report, the XXXX XXXX tradeline does not show on my history. As a result, my FICO credit score is lower than it otherwise would be, had Experian provided a complete and accurate report.
My second mortgage was transferred without my input to a new servicer. My first statement from the new servicer indicated that I had a past due payment as well as a due payment. I contact the new servicer and told them that this was incorrect, that the last payment to the old servicer had been made. 

I provided the new servicer with the statement from the last servicers, and a record of payments from my bank showing the payments. I have contacted the new servicer by telephone. I have spoken to the old servicer by telephone and they advised me that the information they handed off to the new servicer included all information including the last payment to the old servicer that the new servicer is ignoring. 

The new servicer refuses to acknowledge the information. They continue to show the 2nd as past due with late fees etc. 

The new servicer maintains that it is my problem to work out with the old servicer. I maintain that it was not my choice to change servicers and that it is for the old and new servicers to work out.
Federal law provides that bureaus must maintain the correct status on items or remove them from the file. I am enrolled in a NON-PROFIT consumer credit counseling program. When such programs are " NON-PROFIT '' the bureaus must change the status to a " XXXX '' XXXX and XXXX XXXX have complied with this law but Experian apparently has their own interpretation of the law. The accounts included in this program are : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX   Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX
I made a XXXX  payment of {$420.00} with my Wells Fargo checking account on XX/XX/2018. I never received the product that I paid for despite multiple emails and calls. When I called Wells Fargo, I was told there was nothing that could be done ; they dont provide any protection for transactions via XXXX even if my bank account was used.
I currently serve as an XXXX in the U.S. XXXX. I wanted to bring to your attention to a cancellation of Servicemembers Civil Relief Act ( SCRA ) benefits by Barclays Bank on their XXXX that will likely put many servicemembers in a financial bind, and at the very least is an abuse of those servicemembers ' good faith and trust in Barclays as a financial institution and lender. 

A little over a year ago, I, along with many friends currently in XXXX, opened a Barclays Gold XXXX with an agreement that the SCRA benefits afforded to me would include a 0 % interest rate on both old and new purchases, balance transfers and cash advances ; no fees of any kind, which included waiving the annual fee of {$990.00} each year and charge of {$290.00} for each authorized user ; and no collection efforts. After reading that the waiver of annual fees was withdrawn from the offered benefits on XX/XX/XXXX, I wrote Barclays, on XX/XX/XXXX, to ensure this would not affect me as the terms of my SCRA benefits should apply prior to changes. In an email Barclays assured me that I would maintain these benefits until end of my XXXX period. Today, XX/XX/XXXX, I received a memo stating the annual fee would now be assessed each year, and I will be charged {$1200.00} dollars. I called and talked to Barclays ' management, who had the correspondence on record, and they informed me I would be required to pay this for the next billing period. 

I write this letter not to drone on about my financial burdens, as fortunately I will pay my balance and close the card to avoid yearly charges. I write because I know of countless servicemembers who were deceived by Barclays, offered extremely high credit lines, most in excess of {$25000.00}, with the promise of 0 % APR. When I asked Barclays management, on the phone, if they were aware the bind in which this will likely put countless servicemembers, they responded, " Yes, we are aware they are very upset. '' These servicemembers now face the decision to either pay their balance and close their credit card, possibly putting them in a position of financial hardship, or pay the exorbitant annual fee. I hope you can see why this is an abuse of both servicemembers ' trust and the spirit of the SCRA, which has long provided XXXX and Veterans a piece of mind in making financial decisions. I also hope that those who are XXXX servicemembers were not impacted by this blatant abuse of their trust.
Ocwen Loan Servicing acquired my loan from another lender and the amount they claimed I owed was incorrect. I contacted them on numerous occasions to get this matter corrected but they insisted that their numbers were correct and proceeded to foreclose on my property. I filed complaints against them in court and they wrongfully foreclosed on the property in 2016. I am still living in the property due to court filings. I hired a legal consultant " XXXX XXXX XXXX XXXX '' in XXXX Ga to assist me with purchasing my property back from the Ocwen, but the attorneys for Ocwen refused to submit my offer to the bank, because they want to drag it out in court -- in a effort to get more legal fees. 

Additionally, I offered the full market value for the property along with a purchase contract and pre-approval letter. I am asking for assistance from your agency because I am being discriminated against and they are trying to take my home, that rightfully belongs to me. Ocwen has a checked past when it comes to wrongful foreclosures, after they acquire it from other lenders. Please see attached letter.
Today on XX/XX/2016 at XXXX eastern time, a XXXX, from PayPal credit called my parents home. She asked for XXXX XXXX, my mother said he is n't here, meanjng he does n't live here. This person continued and asked is this XXXX XXXX? Which it was, but not XXXX XXXX XXXX, im not married. My parents number has never been in my account since I 've not lived there in 22 years. This XXXX, continued to discuss what my balance was, it was 4 months past due, and could she take care of it today for me? She said last payment was XX/XX/XXXX. Humm that 's 2 months ago? She told her to take {$63.00} to XXXX XXXX XXXX to oay the account and keep it current. Why would someone take it to my bank? They do n't have the account number. 
I called the number on parents phine she i got there to check in them tonight XXXX. A XXXX answered and told me she must have done a generic search for a phone number. They should n't have they called my home two weeks ago and I told them I had n't gotten a bill in 2-3months of which that person said he would mail one. I still have n't gotten it. 
This XXXX took their number off my account of which I never put there as I have my own number and have n't used theirs in 22 years. 
I am beyond upset as it got my mother who is XXXX and I 'll very upset and worried over this they have gone to far and I want restitution for their crime. 
Can u assist?
There was this promo when I open the account Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days Its been more than 90 days since I completed the requirement but didn't receive the bonus.

I asked customer service through chat and secure message, they always said it being investigated
on XXXX XXXX Chase card receive a dispute letter sign by XXXX XXXX .I have retained new copies of my credit reports, and noticed that Chase Card did not furnish the credit bureaus with the required disclosure, within the period required by law. they are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on [ XX/XX/2018 ]. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
ill try to make it simple, i gave permission for my credit to be pulled by these company 's 1 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. 2 ) XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, These company i listed had my writen consent to pull my credit, all others do not have my written consent and there for i want them removed unless they can provide transunion a document with there letter head and my signature they dont have permission or pressumeable permission, i was not informed nor had any idea that all these banks was pulling my credit report. please as under FTC creditors or any person pulling a report must have permission.
According to Equifax, a security breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

This is highly disturbing because the breach was not reported until XXXX. As an IT security professional, this is gross negligence as such a breach should have been immediately reported to government institutions for protection and support of consumer data. 

Equifax ' poor response gets even worse as the new PIN numbers they are generating use a TIMESTAMP which can easily be brute-forced by attackers. 

What 's more, the website www.equifaxsecurity2017.com/, which Equifax created to notify people of the breach, is highly problematic for a variety of reasons. It runs on a stock installation XXXX, a content management system that does n't provide the enterprise-grade security required for a site that asks people to provide their last name and all but three digits of their Social Security number. The XXXX certificate does n't perform proper revocation checks. Worse still, the domain name is n't registered to Equifax, and its format looks like precisely the kind of thing a criminal operation might use to steal people 's details. It 's no surprise that XXXX-owned XXXX XXXX was blocking access to the site and warning it was a suspected phishing threat. ( Update : The whois records were updated on Sunday and now show the domain is registered to Equifax. ) Another indications of sloppiness : a username for administering the site has been left in a page that was hosted here. Here 's what it looked like before it was taken down at about XXXX XXXX  California time : Enlarge That by itself would n't allow for unauthorized access, but it 's still something that should never have happened. 

Equifaxsecurity2017.com is a site setup by Equifax in response of the breach. 
In the hours immediately following the breach disclosure, the main Equifax website was displaying debug codes, which for security reasons, is something that should never happen on any production server, especially one that is a server or two away from so much sensitive data. A mistake this serious does little to instill confidence company engineers have hardened the site against future devastating attacks. 


On XX/XX/XXXX I was forced to institute a freeze on my Equifax, XXXX, and XXXX credit reports/accounts in order to protect my financial/credit assets. This took multiple hours to handle and had to pay {$10.00} in fees in order to protect my credit.
ANNUAL PERCENTAGE RATE. The cost of your credit as a yearly rate. 
XXXX % FINANCE CHARGE. The dollar amount the credit will cost you. 
{$2800.00} Amount Financed. The amount of credit provided to you or on your behalf. 
{$20000.00} Total of Payments.The amount you will have paid after you have made all payments as scheduled. 
{$22000.00} Number of Payment ( s ) Amount of Payment ( s ) Payments are due XXXX {$380.00} XX/XX/XXXX On XX/XX/XXXX, I applied at XXXX XXXX to refinance my XXXX XXXX XXXX after leasing for XXXX months. I received the refinance documents from XXXX XXXX with the information above on the balance of {$25000.00} after the end of the lease. I gave a down payment of {$5500.00} with a balance of {$20000.00}. When I received the documents with the Annual Percentage rate of XXXX on the {>= $1,000,000} = {$2800.00} which is stated above in the BMW documents. The right percentage amount should be {$1000.00} and not {$2800.00}. 

If you divide their interest charges of {$2800.00} into XXXX-month payments the result should be {$48.00} of interest on a monthly basis. 

I have been making payments of {$400.00} dollars a month into my account instead of {$380.00} because I would like to pay off as soon as possible. 

Since I started making payments into my account on XX/XX/XXXX, XXXX XXXX had charged to my account higher interest than what it is stated in the documents. Also, I have been making additional payments to apply to the principal. XXXX XXXX as posted into the interest instead into the principal balance. I think that is a wrong entry into my account because my balance should be lower than what it shows now. 

I have contacted XXXX XXXX on various occasions because of the same reason, too higher interest charged and my extra payments it is not applied toward the principal. The Financial Representative stated that BMW collected their interest in advance which Is wrong because the balance will be higher than what is supposed to be on a monthly basis. Another Rep told me that XXXX collected the interest on a daily basis of {$290.00} which I was not aware of. That it is not in the document I signed. 

Please see the attachment of the payment stub so you can see the payments made since XX/XX/XXXX -XX/XX/XXXX because of the two payments in XX/XX/XXXX, I misplaced.
I discovered what I believe to be an unlawful increase in my annual percentage rate somewhere between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Two things occurred during this time ; first a large payment of {$1500.00} was made and second, the impending sale of Washington Mutual to Chase. I was never notified of any increase to my APR by Washington Mutual or Chase. If I had, I certainly would have cancelled the credit line immediately and paid off the remaining balance. I continued to pay my bill each month but unfortunately, I was not aware of any change till XXXX of XXXX, at which point I made several calls to Chase. In these conversations, I informed Chase I would no longer make payments till this error was fixed and all interest collected recalculated. At this point the balance on the account was {$660.00} and the total interest accumulated since the increase to my APR was {$390.00}. I informed Chase I would gladly pay the total less the interest, cancel the card and move on. Chase 's customer service could not answer any questions regarding the matter and I was essentially at a dead end with my dealings with Chase. Since I refused to pay until Chase either cooperated in answering questions regarding the change in APR or come to an agreement to settle the account, the account went on collecting interest and fees and at some point the balance reached {$960.00} and I believe they charged off the account. 
I 've since had a few correspondences with XXXX XXXX in the Executive offices of Chase. 
And here is the gist of those. 
She said they ( Washington Mutual ) were justified in raising the interest rate to a default APR under section XXXX " you fail to pay any amount due to us under this Agreement or any other agreement. '' There are two things I would like to point out. 
1. I did not " fail '' to pay. The payment was made. It was " late '' by a couple weeks, however nowhere does it say that I ca n't make a late payment. ( Note that it was n't even 30 days late and never was ). 

2. The second thing I would like to point out to you is under section XXXX ; " If a change is made that increases the APR or APRs that apply to your Account, you will be given an opportunity to avoid the change by closing your Account and paying off any existing balance under the terms in effect prior to the change. '' Washington Mutual did NOT give me the opportunity to do either of these things. 

Chase continues to report negative information to the credit bureaus which has cost me thousands of dollars due to increased interest rates on things such as my mortgages and car loans.
Mr Cooper ( Nationstar Mortgage ) misreported my credit info to bureau as a foreclosure on my HARP modification. I have called and emailed them multiple times. They have same response every time, we are working on it ... ... Issue haven't been resolved since three months.
In XX/XX/XXXX I submitted a letter to Navient to ask them to explain why XX/XX/XXXX payment reporting is showing 90 days late in which the account suppose to be in forbearance status. When I contacted them back in XX/XX/XXXX to ask them that due to financial hard time I would like to put my account in forbearance status until my personal situation change. They approved my request and I was told that they will " back date the forbearance so it doesn't appear late to the credit reporting agencies ''. I have requested recording and documentation showing proof that they stated they will back date the forbearance. I haven't received any documentation transcript or documentation of my request. Also Navient is reporting a 90 day late on XX/XX/XXXX, but the XX/XX/XXXX and XX/XX/XXXX is reporting current. How is that? Navient is not cooperating with my request I would like to receive the transcripts of the conversation XXXX that took place in XX/XX/XXXX about backdating my forbearance so it doesn't appear late. Navient haven't provided me with verification of the conversation. I was promise that they will approve the request. 










i
Civic Financial and XXXX XXXX XXXX have a ) incorrectly posted and maintained my mortgage history file and reported late payments, when each and every payment was timely made in the month when due, and b ) then submitted a false payoff demand with erroneous fees and charges, causing the collapse and forfeiture of the conventional refinance which was being closed to pay off the high interest rate Civic loan. 

The complete chronology and all support documents are available which verify the timely payment, and the fraudulent accounting ledger and payoff demands from Civic Financial and its subsidiary XXXX XXXX XXXX. 

My efforts to rid myself of the plague of Civic Financial and their servicing entity XXXX XXXX were subverted by Civic and XXXX, as their improper accounting and misrepresentation of my payment history again resurfaced, when XXXX submitted their erroneous payoff demand to XXXX XXXX XX/XX/2018, adding charges for monthly payments that had long before been tendered and received by them, plus adding late fees and other extraneous charges, driving their loan payoff demand up from it's true amount of {$270000.00}, by no less than {$14000.00}, to an amount of {$280000.00}. This then caused failure of the substitute " hard money '' loan, as the payoff demand exceeded the total funds available of the new {$280000.00} replacement loan. 

As a result of Civic/XXXX  false mortgage history report, I was financially harmed in three manners : by the loss of the far lower mortgage interest rate : 5.375 % instead of the 9.5 % that Civic was charging  ; and the magnified effect of this interest rate differential over the 30-year life of the new XXXX   loan, the costs of the appraisal, and the impairing of my credit report, causing higher interest rates on all other forms of credit. 

DAMAGES : Civic/XXXX XXXX false report of late payments was the direct, sole and proximate cause for the termination of the closing of the approved 30 year fixed rate conventional loan, with interest at the rate of 5.375 %. The interest rate differential over the life of that loan, versus the high interest rate charged by Defendants is both substantial and readily quantifiable : - Civic Financial Services Note Rate : 9.500 %. 
- Approved replacement Note Rate : 5.375 % - Loss of New Loan : {$270000.00} @ differential of [ 9.500 5.375 ] 4.125 % : - 30 year loan forfeit as a result of Defendants ' behaviors : {$270000.00} x 30 years x 4.125 % = {$330000.00} - Extension Fee I paid to Civic : {$2800.00} - Appraisal Fee Paid for New XXXX loan : {$1100.00} - Defamation of Credit Character : Impact reasonably projected to extend for 36 months : Cost of Credit increased by 6.0 % Average credit balances : {$20000.00} $ XXXX@ 6.0 % per annum ; {$1200.00} per annum ; Over 3 year impact period : {$3600.00} - Summation of Damages : Loss of New Loan : 30 years x 4.125 % = {$330000.00} Extension Fee : {$2800.00} Appraisal Fee Paid : {$1100.00} Credit Impairment : {$3600.00} TOTAL FINANCIAL HARM : {$340000.00}
I keep receiving notices from debt recovery solutions with harassing phone calls wanting to know my social security number and that I can be arrested. I have turned this spam fake company over several times for the same issues. This is not a debt that I owe and was part of a fraud. I lived in WA state for over 11 years and never received a debt from the company mentioned. I am again for the 5th time complaining about this company again. I do not want to see this fake debt on my credit report. Please act with aggressive behavior and ceased and decased this company to no longer sent me or call me regarding this debt
My student loan is due on the XXXX of the month. Today is the XXXX. So far I have received two calls today already from Navient. This happens any time that the payment is *late* ( however well within the grace period ). The first call was at XXXX XXXX my time.