WillisBack/dataset-financial-user-claim huggingface dataset:
On Monday XX/XX/XXXX at XXXX my husband and I signed refinance papers at our home. The attorney who came to our home left without leaving any copies of any signed documents. He did not leave any way to contact him. Further, he had a strong odor of XXXX on his breath. There many things we were uncomfortable with the way things happened. On Thursday XX/XX/XXXX I emailed the lender and told him we did not have any right of rescission document and wished to have one, but regardless we advised him that we wanted to exercise our rights and not go through with the loan. Later the same day I followed up with another email to confirm to him we wanted to exercise our rights. 
On XX/XX/XXXX I received a phone call from an individual who said they represented the closing attorney and was advised they had neglected having us sign a document and they would send an attorney to me to get it signed. At that time I told them we had exercised our rights not to go through with the loan. 
By this time I had already started a loan process with a different lender. 
On XX/XX/XXXX I received notice that my automatic payment to Bank of America, my current lender, had been discontinued indicating that funds had been dispersed. Upon arriving home I found that a certified check for the difference between what we owed to Bank of America and what the lender who had been notified we did not want to proceed. Even this check is not what we had expected had we gone through with the loan.
In XX/XX/XXXX, I received a call from XXXX XXXX XXXXXXXX. They spoke with me and explicitly explained how they would be able to reduce my federal student loan payment by going through their program. Fast forward to today, XX/XX/XXXX, I had gotten a notice that my federal loans were delinquent and in fact the amount went up, not down. Turns out the company I originally signed with turned my account over to Equitable Acceptance and I was paying them for a line of credit. This was not what I was told, nor does the " contract '' tell me anything about student loans. I feel insanely stupid that I didn't think to look more into it, and contacted the company to see what they can do to fix it. They keep referring me to another person and I haven't gotten an answer to fix the situation and stop my false " contract ''.
About a month ago, My wife and I submitted an offer for a XXXX-family home in XXXX, NY and was accepted by the seller. We contacted Wells Fargo for mortgage rate since they suggested that we could be qualified for their jumbo loan. Their jumbo rate offers competitive rate than other banks. Wells Fargo asked us for our personal information and run our credit for mortgage application pre-approval. Our application did n't run as smooth as we would expect, but the loan officer told us that we were not qualified for Jumbo rate. My wife and I decided to go back to XXXX, our primary bank, for a better rate. XXXX loaner office informed me that Wells Fargo had run XXXX credit check on me ( WITHIN A MONTH ) and it affects my credit score significantly. My middle credit score has dropped from XXXX to XXXX, which brought up the interest rate from 4.375 % to 4.625 %.
My credit card payment of {$250.00} via XXXX from XXXX to XXXX/Barclay Bank on XX/XX/2016 was " lost '' during transition from XXXX to Barclay after the account was bought by Barclay. Over the past XXXX ( yes, XXXX ) MONTHS I have called Barclay, XXXX, and XXXX no less than XXXX times, verified the XXXX XXXX times to Barclay via XXXX XXXX see attached ), spoken to XXXX managers at Barclay who each assured me it would be fixed, conducted XXXX conference calls between XXXX, Barclay, and myself, and spent countless hours on the phone and on hold with Barclay with no correction thus far. Over this time period, I have been charged late fees and additional interest fees several times. This error has also negatively impacted by credit scores. XXXX has done everything asked of them to verify this payment. Barclay bank has wasted countless hours of my time, overcharged me late fees and interest, negatively impacted by credit scores, and has yet to credit me the thrice verified payment. Barclay bank 's customer service department is unprofessional, unethical, and generally worthless at the managerial level. I am currently a XXXX XXXX XXXX submitting this form and now trying to correct this issue from XXXX.
American Express agreed to credit my account with XXXX points after XXXX in purchases were applied to my account in the first XXXX months. This agreement was based upon a promotion at the time I agree to sign up for the card. I have not received the XXXX points.I have contacted the company XXXX regarding this matter over the last XXXX billing cycles and I still have not received the points. 
The delivery of the card was delayed XXXX and I was promised a XXXX point credit for the oversight and delayed delivery. I never received the XXXX points.
Nelnet is reporting disbursements twice on the same dates which is not correct such as : 1. Nelnet is saying on XX/XX/XXXX they disbursed {$33000.00} for fall term. XXXX has never given ne that amount in one term. However, on XX/XX/XXXX.  However, I did receive {$5200.00} from financial aide for fall term.

2.Nelnet is saying I got {$17000.00} & {$17000.00} on XX/XX/XXXX. Financial aide disbursed only amount to me on that date.

3. Nelnet is saying on XX/XX/XXXX they disbursed {$15000.00}, {$15000.00} on that date and also disbursed {$10000.00} on that date. I only received one disbursement on that date from financial aide. 

4. Nelnet is saying on XX/XX/XXXX for they disbursed to me {$10000.00} and also on that date {$9400.00}. I did not receive XXXX disbursements on XX/XX/XXXX only one 5. Nelnet saying on XX/XX/XXXX they disbursed {$16000.00} & {$10000.00} on that same date. Financial aide only disbursed one amount to me on XX/XX/XXXX. 

6. Nelnet said on XX/XX/XXXX they disbursed {$10000.00} & {$14000.00} on the same date. Financial aide disbursed only one amount on that date not two amounts to me for one term. 

7. Nelnet on XX/XX/XXXX saying they disbursed {$14000.00} & {$10000.00} to me. This is false, financial aide only disbursed one amount to me not two per term!
I open a checking and saving accounts back in XX/XX/XXXX in Key Bank I have nothing but headaches from this branch is like pulling teeth with your own money. The unauthorized transactions made in my accounts they still have not been neither fix or credit back to my accounts till this day. After is clearly in my account of such unauthorized transfers. Just recently on XX/XX/XXXX {$300000.00} and the rest of my money was swiped out of my accounts completely and after numerous complaints still my money hasnt been credit to my accounts. I want all my funds the same way I put them in this bank. This is the biggest fraud I had ever seen done to an individual.
About two years ago, i reported information about an account that had been paid in full. I submitted my check showing the amount was paid. The CRA were reporting it in XXXX places. Once as XXXX XXXX and then as XXXX. The payoff was made to XXXX which brought out XXXX XXXX. This negative information was taken off. I applied for a car loan and rec 'd approval for 12 %. knowing that can not be right, I checked my credit report only to find that XXXX XXXX and XXXX had reinserted the information again for the same XXXX debt with a deletion date of XXXX but a recent reporting date of XX/XX/2013. In order to be clever to say they complied with FRCA, they put down that it was disputed. Since the debt appears twice, which one is disputed and since I proved that is not owed, why did they put it in my report again? CRA says I can not sipute agin becuase it has been investigated once before. Holy cow-are they just that stupid or just corrupt. This is a nightmare phantom bill that will not go away unless I decide to sue which is becoming more likely. can you get an answer for these people on why they put that information BACK on my credit report with an obvioulsy false reporting date to make it look recent
Ditech is not applying my loan payments to my loan. A representative told me that they changed databases, and therefore changed account numbers on mortgage loans, then did not apply payments to the new account numbers, then charged late fees and started collection calls for the payments that they did not apply. They have not sent me a current month statement. 
I have bank verification that I electronically paid. I have a video recording of the representative from Ditech telling about the database problem, how the Ditech employees could not access any information from XX/XX/2016-XX/XX/2016, no statements were sent out, and telling me I need to submit proof of payment. Also I have a recording from a bank representative from my bank that reported he has taken XXXX or so call in the last two months from Ditech/GreenTree and other mortgage companies with the same issue. 
This mortgage started as a XXXX XXXX, was bought by XXXX XXXX XXXX, then bought by Green Tree, and is now in the hands of Ditech. I am current on my payments on my end ( my bank verified ).
Equifax leaked my personal info, putting me at severe risk of identity theft. They lost control of my SSN, financial history, and drivers license number. I plan on joining the class action lawsuit when it is filed.
I had an account with Macy 's which I had for around 10 years. I made a purchase during XXXX of last year, but did not receive a bill. I found out when applying to refinance my house that I owed Macy. I contacted them to complain that I had n't received any bills, they had changed my mailing preference to email, without my permission and without an email on file. They took the late fees off and 4 months ago I paid a small balance in full prior to the due date. The next two months I received bills for {$1.00} each month. I finally paid {$2.00}, when I received the 2nd bill. Then this month I received another bill for {$1.00}. This is ridiculous, the account is supposedly closed, but they are billing me {$1.00} per month.
I do not have owe a gas bill. have not had one in my name for over 20 years. and received a dept collection notice with a reduced balance from convergent.
I received a notice from Credit Corp Solutions for collection on a debt. I am requesting full debt validation. Please send me copies of the last 12 months of statements and accounting on balance said owed. I also would like a copy of notice of assignment from the following creditors ( XXXX and XXXX XXXX XXXX XXXX ). I would like a address and contact information for them also.
I have tried XXXX times through the dispute option on all my credit reports to remove XXXX XXXX x XXXX XXXX late reports from XXXX, the Ed/Gov funding for college loans from my reports. On my credit report under derogetory information it shows late payments XXXX late payments for each account. XXXX been on loan deferment since XXXX. On my list of accounts in good standings it shows never been late. I need these deleted so I can find a new apartment and get phone service.
I would like to file a second complaint About my loan with Suntrust. In XXXX I had started the process of removing my PMI Insurance they had received a check from my on XXXX XXXX to schedule an appraisal. There letter said this would be done with 30 day of receiving my check. I spoke with suntrust on XXXX and representative told be an appraisal was scheduled ordered on XXXX. When I called on XXXX there was still no appraisal ordered. this has know been way past there 30 day window. The appraisal occurred on XXXX. on XXXX I call suntrust to see what the status of the appraisal was on and they said it take XXXX5 business days to make a determination of the report. on XXXX I then called again as I not received anything in the mail and had not hear a report. Today XXXX I was just informed that they mailed a letter stating the PMI was removed as of XXXX, ( I still have not received this report ). What I would like to happen is for suntrust investigate the delays in keeping to there time lines and reimburst me for 2 month of PMI insurance as if they would have done all this in a timely manor I would have only paid for XXXX PMI insurance. If I would not called over 7 times to make sure this process was still moving forward I am confident that I would still be waiting for them to start this process. As a consumer this has been an awful experience and I have had to expend a lot of time making sure Suntrust did there job.
Navient is reporting a 90 day late payment on my credit report that is incorrect. I have sent letters to Navient and the credit reporting agencies with no success. I was never late on the account and the account is in deferment. It is impossible to have a late payment on the account when it is in deferment. As well as if I was 90 days late I would also have to be 30 and 60 days late but that doesnt show, just an incorrect 90 day late payment. This is showing up on 4 accounts which is affecting my credit rating.
I decided I wanted to try and purchase a house at the beginning of XXXX so I pulled my credit reports. I have a XXXX XXXX credit card that is open and in good standing today. What I found upon pulling my credit report around XX/XX/XXXX was that there was another XXXX XXXX XXXX opened in my name around XX/XX/XXXX that does not belong to me. I submitted a letter to XXXX XXXX to let them know that the card that was opened, was opened without my authorization and does not belong to me. I did not receive a response to my letter sent. I then called XXXX XXXX around the end ofXX/XX/XXXX directly and they confirmed that I do have a current account in good standing and notified me that the account that did not belong to me would be removed immediately as it was issued without my consent or authorization to whatever unidentified party. XXXX XXXX has yet to remove this account from my credit report. It is hurting my credit profile and makes me look like someone who doesn't fulfill their obligations when it comes to extending credit. Please help me get this information removed from my credit profile.
I have a HELOC in the amount of approx {$5000.00} managed by Specialized Loan Service, in my original complaint number XXXX i requested that they correctly record this lien XX/XX/XXXX. That actually happened XX/XX/XXXX. I received this response from SLS XX/XX/XXXX at my request to proceed with refinance keeping this smaller loan as a XXXX. This is a very vague non answer. I am looking to refinance approx XXXX on a property valued at XXXX. I feel this is a retaliation based on multiple calls, complaint here and with corporate office. SLS has never responded to initial complaint. Feels like shady business practice. By the way my XXXX score is over XXXXGood Morning, The CLTV requirement and the reason for the loan amount increase is a requirement from the investor. This is not an SLS requirement, but an investor requirement. The only way we can approve the subordination is if the new loan amount is at the lowered amount. I see that we received documents at the lowered loan amount of {$53000.00} and that sub will be approved and sent this afternoon. 

Thank you, XXXX XXXX XXXX XXXXSpecialized Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX complaint
On XXXX XXXX of XXXX around XXXX to XXXX am I called us bank online and asked to talk to someone on the loan department, then they transferred me to a lone officer, and I told them i want a personal loan of XXXX dollars. then he went through the application with me online, on that process this banker was asking me all kinds of questions I 've never been asked before when applying for a loan. like where I came from and where i am spending the money and all that, am i spending the money in the united states or what. So i told him yes i was spending the money in the US after everything he told me to give him a minute to submit my application and i did. After he came back he told my i was not approved. why i am saying this is because this U.S bank is discriminating me because he knew i was XXXX. why i am telling you is that the united state is equal lending opportunity because my credit score is XXXX or more, with that i see no reason why this guy would deny me my right and secondly i have been banking with us bank since XXXX till now, there was an inside that happened XXXX when i got a credit card from us bank after awhile i went into hardship and i could n't afford the payment and interest anymore that was in XXXX about XXXX to XXXX i was still struggling to pay the credit card, i got into the credit consolidation assistance, so the credit card was forgiving about {$8000.00} or more, on that year income tax XXXX they reported the forgiving of the money to the IRS , and the IRS told me that i did n't complete my income, that the money they forgiven was part of my income, so they sent me the for and i had to pay the taxes on the money forgiven, after that my credit was bad, but i started working hard to build my credit till now so once i found out all this when the Us bank denied my right, i quickly called my other bank and gave them my information and everything, they ran my application online and i was approved and i should come and take the money right away. Then i strongly believe that U.S bank was bias about me, I am going to attach my  banking statement with U.S bank so you can see, my direct deposit is split in 3 ways and the largest portion goes to U.S bank, I don ; t know what the problem is because i am very very worried about this, sir or ma'am look into this matter so i can know how to proceed. The U.S Bank portions are at the very end of the 2 payslip.
Equifax will not remove my public record of bankruptcy filed on XXXX/XXXX/2008 which was dismissed. Florida Bankruptcy Court told me that it would only remain on my credit report for 7 years from filing date. All other reporting agencies automatically removed it after 7 years from XXXX/XXXX/2008. I disputed that dispute and they only confirm that it is correct and will not remove.
XXXX XXXX XXXX has continued to provide false information on my credit files. XXXX XXXX and Experian  have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my XXXX  Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the Experian Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from XXXX indicating that I was NOT LATE. This has been and ongoing issue with clear violations by XXXX and continued by XXXX XXXX and Experian. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes XXXX  letter dated XX/XX/XXXX responding to my payment dispute and request for correction XXXX letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX XXXX XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking
RE : PayPal, XXXX, XXXX & XXXX, XXXX. Fraudulent rental listings paid for through PayPal. 

I am currently XXXX with XXXX and XXXX. I was force to sleep in my car due to the fraudulent and malicious acts by XXXX, XXXX & XXXX XXXX XXXX XXXXpaid through PayPal wallet. I was denied and defrauded of a public accommodation. 

On XXXX XXXX, 2016 at approximately XXXX I contacted XXXX, a subsidiary of XXXX XXXX ( XXXX, Ma. ) and XXXX based XXXX. These companies book hotel rooms, flights, etc. I responded to an ad on XXXX website to rent a private room & bath at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at {$40.00} per night. I contacted XXXX customer service to ask questions about the owner, rental cost, etc. prior to booking. After negotiating booking the room for 2 days ( XXXX ) and a second agreement XXXX ( recorded statements ) to rent at same rate the owner XXXX XXXX contacted me to say that " he forgot to change seasonal pricing and would not honor booking '' and he proceeded to cancel my booking. ( bait & switch ) After a few hours, I went to address of where I booked room and address did n't exist. This was a fraudulent and illegal transaction in which I contacted XXXX, XXXX, Paypal and XXXX XXXX. When speaking with Paypal customer service I was informed that I was the XXXX person that day to call regarding same scenario with XXXX & XXXX XXXX. There is a pattern of fraud here involving wire fraud and deceptive business practice and circumventing it through XXXX via PayPal. When payment was made through PayPal I assumed the money was being paid in the U.S. but received confirmation from XXXX XXXXXXXXXXXX. PayPal is aware of the fraudulent activity by XXXX, XXXX XXXX XXXX, XXXX. but did nothing to protect me or my money and also was collusive in violating my rights as a XXXX person ( XXXX federal law that prohibits denial of public accommodations for the XXXX ) Please investigate and I would like to have charges brought against all involved with this scheme and also seeking restitution and damages. FBI 's XXXX and AG of Massachusetts & XXXX XXXX, Ca. have been contacted. I have a trail of emails from XXXX, XXXX XXXX and XXXX. 

Regards, XXXX XXXX XXXX XXXX
They have called multiple times at my job that I just started. I 've already been called attention due to this matter. Please I need help with this. XXXX her name is XXXX
Before I graduate from graduate program, I have made consolidated efforts to pay my student loans. After graduation, it is my expectation the loans be consolidated, I contacted Navient and they gave me the run around. They also did not openly disclose that my accounts have one identifying number. Unbeknownst to me and my cosigner, the payments was routed to one account number. XXXX conveniently made sure that this information was not public knowledge. Every month I am saddled with paying a high interest rates because the loans can not be consolidated. I now have multiple loans and there is little assistance from the company to transparently disclose options or to consolidate the loan to one interest rate. This is unethical as I expected an open and honest communications and one identifying loan number. This deceptive practice should stop as there are honest individuals like myself who would like to repay the loan and get out of debt. In addition, since I have been paying, the payments have only gone towards interests payments and the loan amount have remained the same since graduation. This is ridiculous!
Bloomingdales has violated my rights because they failed to provide proof that this account belongs to me. I did not open up a bloomingdales account. This is a fraudulent account.
I was in the process of purchasing a home. The lender was working on my credit report to do a rapid rescore. She began to be unresponsive or less responsive with emails and not returning my phone calls. Then I was notified of a new credit card that was applied for in my name, but I did n't apply for one. The lender was very determined to process my loan, to the point where she opened up a credit card in my name without my permission. Doing this would show more available credit and less debt, increasing my score. When I emailed her and her supervisor asking about this card, she never responded, i did not close on my house and I lost all my money that I put in. At this point, the sellers realtor filed a complaint due to non communication, my realtor sent an email to her demanding a response within a timely manner and she completely did not respond to anyone. Her supervisor called me 3 days after we were supposed to close and said that I needed to contact the FBI and that they 've decided to deny my loan because everything is just a mess now. I am asking to be refunded on all the fees I paid out, or I will be pursuing further action.