WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for Business loan products at NFCU whereas I believe the loan analyst XXXX XXXX XXXX XXXX XXXX is not properly trained or using discriminatory practices. I submitted all required documentation on XXXX XXXX. On XXXX XXXX I asked how long is the processing time frame? XXXX XXXX stated he 'd have a decision by the following week. The following week he reached out only to ask a question already answered on my application. " Which property would be used as collateral? ". After not hearing from him by XXXX XXXX, I reached out asking for a status. Only then, Me. XXXX told me the NFCU had implemented a new process that required a new application to be completed and the processing time would be delayed until the following week, etc. I began to complain and ask when were you going to tell me .... as I have been waiting for weeks for an update. XXXX XXXX became defensive but promised a decision that Friday ( 2 days later ). His decision was " denied '' based on the following reason which are unsupported and contradicted below. 
Delinquent credit history Policy - too many active, revolving accounts Poor credit performance with us This is a business XXXX loan request for $ XXXX and business credit card to expand my small business. The loan would be secured by a business owned property that NFCU appraised at over {$210000.00} in XXXX XXXX. The comparables has since risen based on recent property sales. Also, the property is free and clear with no outstanding mortgages, liens, etc and produces {$1500.00} in monthly rental income deposited into my NFCU business account. In summary, I would be borrowing less than 50 % of the home value of a free & clear income producing property. The risk is very low here. 
Second, this is a business loan whereas I pledged as a personal guaranty. My guaranty should only be an added valued. Why is the loan decision based solely on my personal credit history? It does not appear they considered the business income, collateral or anything business related here. 
In contradiction to the above, I have been approved for a few loans with NFCU over the past year 1. ) in XXXX XXXX a credit card for {$25000.00} ; 2. ) in XXXX XXXX, a personal loan for {$8000.00} ; 3. ) the most recent was XXXX of XXXX ( 2 months ago ), NFCU approved me for a {$25000.00} personal loan with no collateral which contradicts the above statement regarding " poor credit performance '' with NFCU. Over the past 20 years with NFCU I have been late less than 3 times but never over 30 days late whereas it impacted my credit report. 
I think that XXXX XXXX made an unfair decision in haste and out of resentment because I complained or perhaps he is not properly trained. I am requesting a thorough review of my application be performed and the questions below answered. 
1. ) What are NFCU practices regarding business loans and ; 2. ) Did XXXX XXXX XXXX follow the practices accordingly?
After paying off a car loan my credit score went down 11 points. No late payments, no additional debt, no negative information was added. I contacted Experian to get an explanation but they said under the law, they can't give me advise. I argued that I wasn't looking for advise but an explanation since they are they ones that lowered my score. They are hiding behind a law to avoid given consumers reasons why their score has changed, this is unacceptable. It is hard enough trying to correct an error, now they don't even have to explain their actions. They told me to hire a financial adviser to tell me why. So I need to hire someone to tell my why they lower my score? does that make sense? 

The credit bureaus are a monopoly and they know it. People 's lives are in their hands but they seen to cater to the financial institutions more than the consumers.
Winter of 2017, a drunk driver hit me and he didn't have insurance. My car was totaled and had to be taken to the city pound. I filed a claim with my insurance company and they eventually paid the car off, but during the time the car was being deemed totaled, the pound called Capital One directly and told them to come and pick the car up. Capital one told me anytime they have to pick a car up from anywhere, they consider it a repo. However, my insurance company wrote them and told them it was an error on their end that had nothing to do with me and that's why there was a delay with them getting the car. The car is completely paid off and they have their letter from XXXX, but Capital One is refusing to take it off. They told me to call the credit bureaus directly, so I called XXXX XXXX and they said they can't make any changes, they can only update what the direct source ( capital One ) gives them. I tired call the president 's office at Capital One, but they said he doesn't take call. 

Please Help. 


XXXX XXXX XXXX
I applied for and got a loan for XXXX dollars. I was going to pay off the balance with my next social security check as they said I could pay off the loan early. When they finally posted the loan on their website and the early payoff amount, I discovered that to pay off the loan after 30 days I would owe XXXX. I 'm XXXX and XXXX is my only income. I ca n't afford XXXX dollar payments for the next 6 months. I expected to pay a reasonable amount of interest after 30 days, not almost XXXX dollars! What can I do? My first payment is due XX/XX/XXXX.
PORTFOLIO RECOVERY AND XXXX   XXXX  CONTINUE TO CALL FREQUENTLY ( SOMETIMES 5 TIMES PER DAY ) EVERYDAY AFTER BEING TOLD TO STOP CALLING!
I 've sent letters to Viking Client Services requesting specifics on this alleged debt. I do not have a contract with Viking or XXXX XXXX XXXX. I have not received nor made payments to either of these companies.
On XXXX XXXX made ach tranfer of {$10000.00} +from a XXXX XXXX savings account to Scottrade bank account. Transfer was done immediately but Scottrade put a 4 business day hold on the funds. Most banks only have a hold for XXXX 2 days. A 4 day hold on funds is allowed by the Fed Reserve but is very unfair to customers who have been with a bank for several years. They get to use that money but customer does not have any access during that time. No one at the bank would even consider reducing the hold time so that I could have access sooner. That to me is not a very good business practice for any one.
I have recently disputed information in regards to XXXX with Equifax. XXXX went out of business because they were defrauding military personnel. If they review the date on my credit report from this company they will notice that I was also a victim. I would like Equifax to delete XXXX off my credit report due to the company filing bankruptcy and going out of business.
I notice my credit report has unauthorized inquiries, same company but different dates XXXX XXXX XXXX Date:XX/XX/XXXX :XX/XX/XXXX: XX/XX/ Type All Banks XXXX  Date :XX/XX/XXXX Type Telephone Companies XXXX XXXX Date XXXX XX/XX/XXXXType Telephone Companies XXXX XXXX XXXX XXXX  Date : XX/XX/ Type All Banks XXXX XXXX Date : XX/XX/ Type General Clothing Stores XXXX XXXX XXXX   DateXX/XX/XXXXType Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Date XXXX Type Auto Financing Companies
i have many negative accounts thats not mines.I suffer from XXXX i was in an XXXX XXXX in my family since my XXXX XXXX XXXX  in front of me I fell apart. Someone took advantage of me.XXXX XXXX , XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , severaXXXX repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.
Refi nanced mortgage to get lower rate and payment with Wells Fargo the original loan holder of the previous mortgage. Lots of people were in on the underwriting and It seemed they were going through staff changes during my closing process. My payments were to be   XXXX  less per month.  Now many months later my taxes are due and I received a bill from my county. When I call WF tells me they are paying it not to worry. It is part of my escrow that was carried forward. Yesterday I got a bill from Wells fargo saying they paid some   Title company    XXXX   and  my county. Well if they did I would n't have a bill! They say I will be receiving a refund which I have not as yet from one of these and  if I do n't send it to them they will raise my payment  XXXX  dollars a month due to my escrow. Why did I refinance in the first place? This is incompetence of the highest!
I am attempting to refinance my loan that was just recently transferred to a new servicer. Under federal law any payment made during the first 60 days from the effective date of transfer must not be treated as late. My loan was transferred on XXXX XXXX and I did not receive new payment information for my new service until XX/XX/XXXX, therefor my XX/XX/XXXX and XX/XX/XXXX payment were made together. Considering I am attempting to refinance my mortgage my " mortgage verification '' statement from my most recent servicer is showing a delinquent payment and has told me they will not remove with from their report. Again, under federal law all payment during the first 60 days should not be treated as late and this is having a negative effect on my ability to refinance my mortgage.
This is the second complaint I am filling out toward Navient, once XXXX XXXX. I spoke with the company today about payment options. I can reapply to the " rate recovery program '' for only 6 more months, originally I was told I can reapply for another whole year. I 've been in the program the last year and a half to get up to date on payments and keep my percentage rate down to 2 %. 

It is also very unclear how and when Navient is sending updated reports to the credit report companies. After being in default and forebearance on and off over the last decade, my loans have tripled in size. I 've spent the last two years making on time payments and the company has not updated my credit score.
Also, after paying Navient about {$11000.00} only {$3000.00} in my principal has gone down.
I understand there are numerous lawsuites against Navient. I would like more information to get more involved and in the meantime, figure out how to deal with large monthly fees ( unneccesary late fees ),  inaccurate reports and very confusing information with this company. Thanks so much for your time and energy!
US Bank Home Mortgage is attempting to foreclose on my home for payments that I 've already made to them and have sent them proof that the payments have been made. I 've been battling this for 5 months and all they can say is " we 're still researching the account ''.
I have attempted to freeze my account countless times with Equifax due to the breech of my informaiton. 
Everytime I enter the information for processing I receive a message that they can not process and to try again later. 
It is XXXX and I am still trying and still receive the same message. 
I see from research this is the same results other consumers are having when attempting to put a freeze on their account. 
Equifax needs to be shut down!
I had a balance of {$430.00} on my XXXX XXXX XXXX Credit Card which was paid in full on XX/XX/XXXX. Figuring this was paid in full and I intended no additional uese of the card I paid no further attention to the account. on XX/XX/XXXX I realized I had a balance of {$110.00} due to " late fees ''. This company states they received my payment on XX/XX/XXXX and charged me a late fee as my bill was due on XX/XX/XXXX. I notified the company I had absolutely no intention of paying these late fees as I made my payment to close the account and was unsuspecting of these additional charges. They agreed to waive one fee only but not the others. I told them that regardless, I am not paying any of the fees as I paid my account in full prior to the due date. This is hitting my credit report, I want it removed as negative from my report, the account closed and absolutely no responsibility for these ridiculous charges! They now have me at {$200.00} due! This is nearly half as much as paying my actual account in full.
one click cash payday loans charged my account 5 times different amounts causing it to go over drawn by XXXX the new York state attorney general office want after this company and I do not own on this loan but I owe XXXX to XXXX for the a tamps to taking out money for payment I want this company to pay XXXX the XXXX fee
Unsure of the exact date, but according to the collection agency stated that is was in XX/XX/2017. I wanted to work things out with the company but they referred me over to this company, I feel that I was not given the time to work out a payment plan with them, or did I receive any notifications through mail, email nothing.
Check Systems is reporting false and misleading information about me.  I want it removed from their system .cease and desist immediately.  I will contact my attorney , I will also charge XXXX that inaccurate info stays on my file starting today . Check systerm dispute XXXX. Remove asap or pay me XXXX daily .Ftc and BBB complaints.
Acct Service {$65.00} Opened XX/XX/XXXXXXXX XXXX  {$3700.00} OpenedXX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} OpenedXX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX
Apparently, I placed a " security freeze '' on my account of this year on XX/XX/2018. That is false information considering I would have no reason to put a freeze on my account, did not give authorization to anyone to do this and have received no proof of me initiating this freeze. I did not receive anything in the mail in regards to this either. I am beside myself in this matter and so tired of getting the run around, loosing two contracts now on homes I wanted to purchase and the lack of empathy in this ordeal by being told, '' We have on our records that you do not have a freeze on your account and we can no longer help you ''. This has been told to me by numerous people on the phone. I have provided you all with emails and documentation for your records. Any insight with this situation would be extremely helpful. 

Thank you, XXXX XXXX
Sent via mail onXX/XX/XXXXa letter to XXXX along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( XXXX, XXXX, Experian ) immediately. My check was cashed on XX/XX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.
On XXXX/XXXX/15 Ocwen Loan XXXX receipt of {$24000.00} for XXXX/XXXX/15 " contractual payment for {$8900.00}. " On XXXX/XXXX/15 the funds were presented to your banking institution for payment ''. " There was an instance were the XXXX for some reasons was not able to read the details off the check, which caused the check to result in a chargeback ''. Ocwen ACTS and ERRORS caused them to CHARGE ME A LATE FEE of {$440.00} and send a XXXX/XXXX/15 " URGENT DELINQUENCY NOTICE TO AVOID FORECLOSURE ''. ( Page # XXXX )
I have had this XXXX card account removed off of my credit reports only to have it randomly reappear over half a year later. I only have 1 XXXX Card. What is showing on my account is 2 accounts. My actual account as well as a delinquent account opened 2 years ago that does not belong to me. I have had this account removed before and insist on having the fraudulent account removed again-permanently.
Based on my research, examining the entire loan contract, I noticed a lot of discrepancies in the loan contract. In that contract, I am faced with predatory lending, truth lending and RESPA, I am facing hardship at the particular time, during the course of eight ( 8 ) years. I previously applied for re-financing and modifications several time and was turned down multiple times with out any recourse or explanation. Therefore, the whole entire loan needs to be fully investigated before I make anymore payments. 

Meanwhile, I would like to cease and desist all activities and foreclosure from the foreclosure law firm ( XXXX XXXX ) to be vacated until further investigations is completed.
We completed numerous applications several times but the mortgage company continue to deny our request using incorrect documentation. My monthly XXXX income of {$3200.00} was terminated by the XXXX insurance company in XXXX XXXX. We both struggle with significant health problems that are extremely costly, have negatively impacted our credit profiles and we have been in the home for almost 25 years. It as if they are determined to make us homeless. Can you please assist us in getting a modified loan. 

In their most recent denial letter they notified us for the first time that many of the programs offered by the US government no longer exist and that they are not allowed to offer us assistance because of a formula dictated by the US government, they have to comply with. The information contained in their formula which they continue to use to deny us assistance continue to be incorrect.
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2018 VALLEY CREDIT SERVICE IN Last reported : XX/XX/2018 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by  identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious VALLEY CREDIT SERVICE IN Last reported : XX/XX/2018 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I live in Florida, and I am currently under garnishment to XXXX. Over 12 years ago, after a spotty payment record, I contacted them to set up a payment plan. They said if I paid {$150.00} a month for one year on time, then my loan would come off my credit report and I would be in good standing. 

However, at the end of the year and XXXX on-time payments, they then said they I had to pay {$400.00} a month! I told them I could not pay that amount, and they said if I did n't, they would garnish my wages. I later found out they were supposed to negotiate an affordable payment in good faith, but they never did. The garnishment was initially 10 % of my salary, which was about {$300.00}, so I figured I would let them garnish my wages & it would get paid off. However, the garnishment was later upped to almost {$400.00} as a new Florida law allowed them to college up to 15 %. I have been paying between $ XXXX {$400.00} a month for over 12 years. 

At the time of the garnishment, I owed {$31000.00}. I have been paying for over 12 years, and now I owe over {$36000.00}. When I contacted them over a year ago to find out my balance, they wanted to to verify various phone numbers and addresses that I may have had for over 10 years. Some of them I did n't not recognize, but may have been addresses for my husband. We are still legally married but have n't been together for over 13 years so I do n't know all of his former addresses and phone number. Because I could n't verify every single one, they would not let me do an address change or send me a statement to see what I had paid. They said they were being nice by letting me know my balance over the phone - {$31000.00}, which is exactly what it was when they started garnishing my wages! They also offered to make me another loan! I asked them why would they make another loan if they have to garnish the one I already have? 

The sad thing is that, if my loan had been rehabbed, in 1 more year I would be eligible for loan forgiveness for working for XXXX. Right now I am eligible for nothing & there is no end in sight. I talked to a clerk at an attorney 's office who had sent a bulk email about my servicer, XXXX XXXX XXXX, doing robo-calls. She said they can keep garnishing your wages, and she had a sister who tried to pay off her garnishment but was refused. They make more money charging you monthly, and she said she will probably be paying this the rest of her life. 

I do n't know what else to do. Do I have to keep paying this amount for the rest of my life?
I sent a complaint to chase XXXX handle Saturday in regards to them cancelling my card,due to fraud, and I explained to them that the nearest chase in 30 minutes away. I have XXXX XXXX kids. No car. I use XXXX so I need my card so the rep told me that she would have my card rushed. It is now Friday
A review of my credit report shows an erroneous charge by XXXX of {$2900.00} ; for what I do not know. Upon my departure from my rental unit in 2011, I paid all rents due. Now they seek a large sum of money for services I did not incur. In so doing, they violate the Consumer Protection Law and the Fair Debt Collection Act. This erroneous credit reporting has greatly impacted my way of life in a negative way ; I am unable to experience the joy of renting an apartment or purchasing a car because of bad credit.
On XX/XX/XXXX, Citi Bank did not renew my card. I inquired multiple times, including today, to work things out and they said it was because of credit score ( which is well over 700 ) and derogatory information ( have no clue ). I have had this Sears card for well over a decade and have almost always ( 99 % over 10 or 20+ years ) paid on time in amounts much greater than the  minimum. I've earned a lot of points over the years and those are no longer available either. I feel I've been unfairly treated and discriminated against in a manner which is driving my credit score down, and the victim of a company 's bad management attempting  to do unethical things to get them back into good standing. I feel I've been totally taken advantage of.