WillisBack/dataset-financial-user-claim huggingface dataset:
My Federal loans were all taken out before the bubble burst and I was saddled with a 7.1 % interested rate. A number of my loans were sold off to different lenders during XXXX and I consolidated them to keep them all in one place however I am now stuck with an impossible interest rate which is exploding my debt. I want to be able to be able to refinance.
Capital OneCredit card. I pay statement amount in full every month with an agent over the phone as a deduction from my checking account.. My statement amount this month was {$690.00}. Capital One put it through as a payment on the website and deducted {$1300.00}. I have been on the phone with Capital One and XXXX XXXX  XXXX ( my bank ) for over one hour. Nothing was resolved. XXXX XXXX XXXXXXXX proposed a stop payment but there would have been a {$30.00} fee which I feel Capital One should pay. They did not offer payment of this fee.
My wife and I each have requested that the credit freeze on our accounts at Trans Union be lifted. Trans Union sends a confirmation that the freeze is lifted for the period we request, but Trans Union DOES NOT lift the freeze. Lending agencies report the accounts are still frozen. When we go back to Trans Union 's web site within minutes or days of the confirmation of lift by Trans Union, it shows the accounts have no freeze lift requested. We are unable to transact business due to Trans Union not lifting the credit freeze.
My name is XXXX XXXX I live with my family at XXXX XXXX XXXX XXXX CA XXXX, in XX/XX/XXXX I received loan from XXXX XXXX XXXX un aware and not understanding the terms of the loan to an interest only payment i was making my payments for many years. In XX/XX/XXXX without my knowledge they switched the loan to Wachovia and I was making my payments to them. In XX/XX/XXXX I was switched to Wells Fargo ( a night mare ). Around that time my payments adjusted to three times the amount I was paying. I was struggling to make my payments I reached out to Wells Fargo begging for assistance for a modification. For several years I faxed all requested documentation to wells fargo litigation department but they would deny me every time I have continue to plead with them for a modification to no avail. 
under the settlement that was signed by XXXX XXXX and Wells Fargo in XX/XX/XXXX I qualify for a modification, I believe they are violating the settlement agreement and they are violating my right to get a modification due to the pick-a-payment they give me in XX/XX/XXXX. 
I am requesting your assistance in this matter and to investigate why Wells Fargo is violating and not honoring the settlement agreement that was signed in XX/XX/XXXX. 
Please I need your help I do not want to be homeless.
I received a letter dated XXXX XXXX, XXXX from Portfolio Recovery Associates, LLC trying to collect from a XXXX XXXX XXXX XXXX. account that has been closed for and satisfied for years. This account has not appeared on my credit report in years.
Equifax has consistently been informed and sent documentation regarding their mixed information with my sisters file and mine. The excuse has been that since we lived in the same address ( as kids ), and have Similar first names this has happened. My sister name is XXXX middle name XXXX XXXX. My name is XXXX XXXX, different fathers. I dont understand how she has her business transactions under her social security number and dob, and still I get her information linked to mine. My current situation is that my sisters married name has been attached to my credit file in equifax. I paid XXXX XXXX to remove my sisters accounts from my file, but equifax still is negligent in removing her marriage name from mine. She is now divorced by the way. I have sent my Id documents to equifax including my birth certificate, License and social security number repeatedly and I still nothing has been corrected. My last dispute # XXXX report still has XXXX as my middle name. This is my sisters married name! Its their mistake.. XXXX XXXX asked them to show any accounts under that name and my social and they proven wrong. Help me please! Its been almost a year with the same issue. They keep merging our accounts which are totally different and in different states. Thank you
I purchased a few items online last spring as I often have over the past several years. This time when I returned in the store, Bloomingdales withheld a portion of the return for each item. There was no restocking fee and there has never been a restocking fee in the past. There was no damage to any items and no claim of damage to items. However after researching the problem, Bloomingdales claimed that years ago I was given rewards in the form of discounts that I used. Bloomingdales is claiming that because I had returns in the past I should not have qualified for these past rewards issued and used without a problem long ago. They issued a reward point debt requiring me to make a certain number of purchases before additional reward point discounts would be offered to credit against future purchases. However they next did something unethical and illegal by turning this reward point debt into a dollar amount debt many months after the purchases in question and without ever confronting me or telling me about the problem. They claimed to have changed my policy over the summer with no notice in order to convert rewards point balances in the negative to a dollar debt deducted from returns. Note that there is no amount they claim I owe for the negative rewards points, but until I am in the positive with the rewards points ( which have always had no monetary value beyond the percent off discounts Bloomingdales sometimes elects to offer those with rewards points ) I will only be refunded a percentage of any item that I return after purchases online or in the store. When I went to return items, they kept a chunk of the return to pay off my purported debt for discounts offered long in the past to credit card holders. I called and got no where. I called again but was disconnected shortly before the refund was posted. 
I sent a complaint through the website about this problem and was told I was issued a refund in a letter posted to my account. However the amount in question still shows and now I have two late fees and finance charges. My account balance would otherwise be XXXX with the exception of the {$48.00} in dispute, all of which accounts for the small amounts Bloomingdales refused to refund for each returned purchase this spring. I now have a {$29.00} late fee from XXXX and a {$38.00} fee for XXXX plus a few dollars in finance charges for a total of {$110.00} owed. My balance should be XXXX. I have always paid off my balance to XXXX within a month or two of purchases, and I have been a loyal customer. My credit is otherwise very good. Please note that Bloomingdales issued several refunds in the for of a check sent to my mailbox for overbalance payments during the time in question. I paid the balance due according to the website while a return processed and thus overpaid, and they sent a check. If they felt I owed them money for rewards points converted from potential future discounts to hard cash, why did they issue a refund?
Nationstar is the worst mortgage company out there. Incompetent customer service have managed to XXXX my account up for 4 months. Can not accomplish a simple task and I typically have trouble understanding them. Ridiculous! I am refinancing with my credit union just so that I do n't have to deal with them. Nothing good to say about this company.
I have a XXXX Mortgage with XXXX XXXX XXXX and a XXXX Mortgage with Bank of America. I refinanced the XXXX Mortgage with XXXX XXXX XXXX with the assistance of The Hope Help Line around XX/XX/XXXX. The issue I am having is the HAMP program was new with a lot of mistakes and non help at the time that I received a modification. Because of the newness of this program, I was not aware that I would be able to get my XXXX Mortgage with Bank of America through the XXXX LIEN MODIFICATION PROGRAM ( XXXX ). As I was starting to realize that I was in need of the XXXX Mortgage with Bank of America Modified also, I received a XXXX loan through my XXXX Mortgage with XXXX XXXX XXXX which changed the account number. I did not request this new loan. XXXX just offered it to me and since it had adjusted the payments slightly lower I accepted the loan. This then disqualified me from getting my XXXX Mortgage with Bank of America Modified due to the now new mortgage was no longer the HAMP mortgage. I feel that XXXX hurt my situation of have the much needed XXXX mortgage modified. I have worked with XXXX and Bank of American since this happen XX/XX/XXXX and neither back is willing to help me. They are always referencing the current loan does not apply the originating loan was not created prior to the XXXX XXXX, XXXX. The XXXX refinance was originated before XXXX XXXX, XXXX. I feel that I have been duped by XXXX and they are working hand and hand with Bank of American to block me from having my XXXX mortgage with Bank of America from being refinanced under the XXXX LIEN MODIFICATION PROGRAM ( XXXX ). I have been trying to resolve this refinance issue of the XXXX mortgage since XX/XX/XXXX.
In XXXX I was approved for a XXXX through XXXX. Prior to closing, my Loan Officer went over final numbers which included a $ XXXX/mth XXXX option, and a $ XXXX/mth XXXX option. Just to my surprise, I notice after receiving my first bill that the XXXX option, which was the interest only payment, was not the numbers that the Loan Officer quoted me. I contacted the Loan Officer who went back over closing numbers and he again agreed that the numbers he quoted were correct according to his mortgage calculator. 

The Loan Officer later contacted a representative from XXXX who had already sold the loan to XXXX to see why the numbers had adjusted. According to XXXX, the rates had adjusted prior to closing and was never locked. Prior to closing, my Loan Officer said that I had the option of refinancing out of the loan with no additional closing cost or fees at anytime. Within the XXXX 6 months after closing on the Pay Option Arm, I decided that this mortgage product was very costly and decided to refinance out of the loan only to find out that pre-payment penalties were attached to the loan ( Pay Option Arm ). Negative Amortization was never explained to me prior to excepting the Pay Option Arm nor the pre-payment penalties. 

In XX/XX/XXXX, my loan was sold to XXXX XXXX XXXX. Due to the negative amortization, my loan was no longer affordable. I had exhausted the minimum payment option and became financially crippled. Not only was I not able to pay my mortgage, I also felled behind on my other household and financial obligations. This caused a major distraction in my marriage. In XX/XX/XXXX, my wife and I decided to separate. In XXXX XXXX, I decided to file a chapter XXXX bankruptcy because of the financial obligations that were left behind after my separation and I could no longer afford to pay my mortgage. In XXXX XXXX, my wife and I were granted an XXXX divorce by the state of Maryland. 

Many attempts were made to refinance or modify loan through XXXX XXXX XXXX but never could come to a mutual agreement on the terms. In XX/XX/XXXX, XXXX XXXX XXXX sold the loan to Nation Star who is now the current note holder. I have been approved for XXXX different modifications but I am not willing to accept any of the terms because of the delinquent payments that they want to attach to the loan. 

I have all of the original loan docs and they are available upon request. I was clearly a victim of predatory lending an unfair practices. Currently, I have an interest in the property and would like to continue living in the XXXX XXXX community so that I can raise my daughter in the community that has embraced her and has contributed to her well being.
A company by the name of JS Resolution called and stated the need a letter from my attorney. He did not state what this was about, but he did state that actions will be taken without my knowledge.
My mortgage has gone up XXXX dollars this year and they still cant give me a reason why. I had a steady rate with them.
On XXXX XXXX, 2017, Ally Financial had my vehicle repossessed since the vehicles lease was matured ( ended ). They did not give the customer any notification of this as they failed to contact the customer in regards to his post-lease options such as financing and or extending the lease.
On XXXX XXXX, 2017 I sent certified letters to all three credit bureaus, Equifax, XXXX and XXXX requesting removal of unauthorized inquiries. They returned a letter stating they would not remove them and I needed to contact the creditor directly. I again on XX/XX/XXXX mailed all three bureaus letters requesting them to remove the inquiries and I also included a copy of my police report from my fraud/theft claim as someone had stolen my identity.
XX/XX/2018 i was served a summons to appear in court for a collection account with XXXX XXXX. The judge granted the collection agency 2 continuances so they could gather more information. In XX/XX/2018, i sent a certified letter to XXXX XXXX asking for validation of the account. They sent copies of a statement, which was not validation. By the end of XX/XX/XXXX, the collections were removed off my credit report. 

I had a court date XX/XX/2018 with XXXX XXXX, whos only proff of validation was a few billing statements. I repeatedly asked for a more detailed list of items, because i did not recall having this account. I also explained how i send a certified letter asking for validation and that the collections were removed from my credit report. XXXX XXXX also could not tell me if the dent was from an XXXX XXXX XXXX or an XXXX Credit Card. The judge still ruled in XXXX XXXX favor although they had no information validating that the account was mine.
I had a payment of {$53000.00} sent overnight to Nationstar Mortgage , LLC. THe addressed used was the address on the website to accept overnight payments. It was received by their mailroom at XXXX on XX/XX/XXXX. After more than two hours over the last two days they still have not been able to tell me anything about this payment other than to ask if my check had cleared my account. I tried to remind them that this was a cashier 's check not a personal check. Today the call began approximately XXXX and ended at XXXX. I repeatedly asked for a supervisor, was promised I would be connected " now '' numerous times over a 30 minute time period, to a XXXX XXXX ... I was transferred to hold music and finally a XXXX XXXX answered. She finally took me up on my oft repeated offer to send a copy of the cashiers check and XXXX waybill to help her research department. She said it could take 7 days. This payment was to reduce the loan balance below what the net proceeds are for the sale of this home. If this payment is not applied the sale of the home could be cancelled. The title company handling the sale is waiting to hear that the payment was applied but soon the time limit for completion of the required paperwork will expire. The sale is to close XX/XX/XXXX. She verified that she had received the email containing the payment information.
In accordance with FCRA 605B, I requested a block of information on my XXXX XXXX and Equifax credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report ( XX/XX/XXXX and XX/XX/XXXX ), detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( previously determined to be fraud in XX/XX/XXXX ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XX/XX/XXXX via USPS Flat Rate with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, XXXX account determined to be fraudulent and removed from my credit report in XX/XX/XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.
I have reached out to XXXX to discuss inaccurate posted information that has been reported to my credit bureau ( s )  with no actions taken to correct the inaccurate information by XXXX. 

My student loans have been unfairly and inaccurately posted 90 days late to all 3 credit bureaus and XXXX will not remove the incorrect information after numerous phone calls and letters being sent to the XXXX credit department. 

I feel that my loans have been unfairly and inaccurately reported because I was never notified via US Mail nor telephone call by XXXX. My loans have always been in deferment since my departure from University due to health issues related to me being confined to a XXXX and issues surrounding my XXXX XXXX injury. 

XXXX is saying I was 90 days late and the only reason I found out about this information is that I was alerted when my credit score dropped over 390 points one day.  Unbeknownst to me, XXXX is stating that the sent me a message to my inbox on XXXX website. I do not check this website ever, never have. And no one has ever told me that I need to check this website on a monthly basis to check the status of my account with XXXX. 

XXXX unfairly reported me to the 3 major credit bureaus and has ruined my credit to the point I may not be able to move from one apartment to another this summer when my lease is up. My score went from a XXXX to XXXX overnight because of their unfair billing tactics and failure to properly notify me that my loans were no longer in deferment. 

Since the unfair credit reporting incident. I have filed multiple applications with XXXX in order to get my account back into deferred status. This process is lengthy and time-consuming and all computer-based meaning you are unable to speak directly to a human being in regards to the status.You just have to wait. This unfair process caused me to accumulate more late months because their process is slow and unfair. After three months of trying to get my accounts current and back into deferred status, I was denied and I was able to submit an Income-driven repayment plan of which I was ultimately approved for. Monthly payments are now {$0.00} for the next 12 months based on my current income. 

I reached out to XXXX and told them about the inaccurate reporting and they have denied multiple requests to withdrawal their inaccurate and unfair reporting to the credit bureaus and I feel this is completely unfair. 

Please assist me in having XXXX remover the Negative reporting for all of my loans that have been reported to ; XXXX, XXXX, and XXXX. 

Thank You XXXX XXXX
XXXX XXXX XXXX holds our mortgage and also collects escrow for our insurance and taxes. We have been receiving documents from the insurance company since the beginning of XXXX about our renewal and I have been monitoring the policy deadline, I wasn't concern because the mortgage company holds our escrow for this, until four days before my home owners insurance was due my carrier still had not receive payment. Payment was due on XXXX/XXXX/18, United has stated that they did not receive any documents from the insurance company yet the insurance company has confirm the address of where the letters were sent and I was also receiving copies. I received two letters in the month XXXX 2018. It's not the consumer job to police the mortgage company to pay their home owners insurance we trust that they are a reputable entity with the resources to comply with their contract. Today is XXXX/XXXX/18 and payment has not reach the insurance company. We emailed united at XXXX on XXXX/XXXX/18 to pay the insurance as of today XXXX/XXXX/18 our insurance company still has not receive payment even though united has confirm a check has gone out. I am disturbed that they did not comply with paying our insurance on time. They are irresponsible and negligent on so many level. I want to make sure that this does not happen again to us or any other consumer whose loan is with XXXX XXXX XXXX. Should I now be concern that our taxes will not be paid on time to receive the full 4 % discount in XXXX?
I have had a Wells Fargo account for a few years now. In the last year I have noticed what I feel to be an intentional holding of debits or online payments until there was no money in my account to clear my debit charges causing abundant overdraft charges to my account. I have disputed with Wells Fargo and granted, they did partially refund 9 of the charges in the last year but I feel that they held on to some charges until I had no funds to clear. This lead to us not having ANY money in our accounts some weeks after my husband getting paid because his whole check would be gone. I have pulled 12 months and realized that a total of {$3600.00} are in Overdraft fees alone! I have tried to work this out with the bank and all I get is their generic " overseas '' response like they 're reading off a scripts and I feel really ripped off. They should have just changed our account to not be able to overdraft or something ... I am a mother and a grandmother, I have school age children and 1 in college, I can not afford to be treated in this manner..
On XXXX XXXX a tree landed on my house. The ins. comp. made the check out to me and Wells Fargo. It has been over a month and my contractor still have not got the 1st payment. I have sent them all the paper work they asked for and nothing is what they want. Every time I send them something they want more. The main contractor put a the siding and the roof on the house to keep the damage down from rain. I told Wells Fargo he wanted XXXX % up front they told me that it had to be in his bid. It was. As of today we still have not got any of our money to pay anyone and when I call I get the run around. telling it will take more time. Today they told me that they were sending out XXXX check and it is only XXXX % not the XXXX % I need. I do not have use of over 1/2 my house including a bedroom. The contractor has told me that if he does not have the XXXX % by Monday that he will be coming over to take off the siding and the roof due to non payment along with putting a lean on my house for what he has had to pay out to his staff. Wells Fargo does not seem to care. I pay the ins. why do they get to control fixing my house with my insurance money. XXXX kids and XXXX adults living in a house with XXXX rooms left standing is not working and we are almost at the 2 month mark. I have had to pay what I could out and in return have not been able to make my loan payment. I cashed out my XXXX this week so that I can not make the last 2 house payment and pay the contractor some more money to keep what he has already done with the agreement with them that they will refund my money when Wells Fargo pays them. As of now my house is no longer being worked on until they get the checks from the bank.