WillisBack/dataset-financial-user-claim huggingface dataset:
I have had my mortgage with Bayview Loan Servicing , LLC, for approximately six years with good credit history, however this company was not of my own chosen, this company brought my mortgage from XXXX mortgage and with them my payment went up very high, and also doing this time i developed and continue to have health issues with XXXX for one, high bills, and paying back taxes that put me in a hardship with my finances. The first four of the six years Bayview Loan Servicing , LLC, didn't report my credit history to any of the credit bureaus with very good credit., and lately after several years they have been reporting my credit history., also during these same times I have applied for a modification loan five or more time, and have been denied five or more time, however the last modification application was fill out with the assistance from a state counselor to make sure the application was in proper order, and i still was denied the modification loan.from Bayview Loan Servicing , LLC. I am asking please, that Bayview Loan Servicing , LLC please have this inquiry, and credit history removed from my credit file because it is making it very difficult for me to acquire credit.
My mortgage for my home is with Vanderbilt Mortgage and Finance, INC. XXXX # XXXX. As of XXXX 2015 the law was passed on FHA Loans PMI rate has dropped. Vanderbilt claims they are not aware of the law that was passed and has not ajusted my PMI rate according to the Law. Please Help me to make them aware and adjust my Loan amount and others. XXXX XXXX XXXX XXXX
I am unhappy about Equifax 's negligence in securing their data allowing a recent exposure of my personally identifiable and sensitive information, and am now at risk of identity theft.
COMPLAINT : I am a XXXX-XXXX  XXXX seeking to open a checking account. Experian has placed a block on my credit access, stating that that it can't " verify '' my identity. I submitted a copy of my social security card and documentation verifying my legal address via your upload function on your website on XX/XX/XXXX and again on XXXX XXXX. Experian subsequently sent a copy of my credit report to me via mail, with no explanation. Meanwhile, no bank will open an account with me due to Experian 's inexplicable hold. Experian has carefully designed its system so that a customer has no way to speak to a service rep. This whole affair is an exercise in supreme frustration. The other credit bureaus have provided no objection. 

I will report to XXXX  in less than two weeks. I therefore request that you intervene to ascertain why Experian is blocking my credit, why no action has been taken to resolve it and ask them to resolve it quickly.
I have a GAP credit card, for use at GAP-branded stores ( Gap, XXXX XXXX, XXXX XXXX, XXXX ). Nothing is wrong with that credit card account. However, on 2 separate occasions within the last year, Gap has opened a second credit credit card account ( GAP Visa - for use at any place where visa is accepted ) without my knowledge or consent. I did not apply for a Gap Visa, and I don't want a Gap Visa. I have had to log in and cancel the visa account and destroy the card.
I enrolled in the XXXX XXXX Program at the University of XXXX XXXX XXXX for the Spring XX/XX/XXXX semester and Summer XX/XX/XXXX semester. For each quarter, I enrolled in one class. The tuition and fees for the Spring XX/XX/XXXX semester totaled {$5100.00}. The tuition and fees for the SummerXX/XX/XXXX semester totaled {$5000.00}.

I received a partial scholarship of {$1500.00} for each semester. Consequently, the outstanding net balance for both semesters was {$7100.00} ( {$10000.00} tuition less {$3000.00} scholarship awards ). 

As of XX/XX/XXXX, I paid {$3600.00} toward that balance, for a remaining balance of {$3400.00}. Because I was delinquent in paying that balance, I entered into a payment plan with the University. As of XX/XX/XXXX, the date of my last installment payment, I had paid an additional {$1500.00}, leaving a net outstanding balance of {$1900.00}. 

I then noticed that the University had been adding fees and late fees equal to {$600.00} to my balance for the Fall XX/XX/XXXX and Winter XX/XX/XXXX semesters -- semesters for which I was not enrolled. Additionally, it had allocated {$300.00} in payments I had previously made to these fees and late fees. 

The University subsequently assigned my account to a collection agency called National Credit Management, or NCM. On XX/XX/XXXX, I received a collection notice from NCM. The notice demanded payment of what it called a past due balance of {$2800.00}. The notice provided that I was entitled to dispute the debt by registering with a website operated by NCM. I did so on XX/XX/XXXX, via email to an individual named XXXX XXXX. 

In that email, I disputed both the amount demanded by NCM, as well as the actual net amount I owed to the University. In this respect, I disputed the {$300.00} in fees that the University had already allocated from my payments to semesters for which I was not enrolled, as well as late fees totaling {$300.00} that it had assessed with respect to those semesters. 

Accordingly, I informed NCM that I wished to resolve the debt, but only in the amount of {$1300.00}, which reflected the actual outstanding balance on tuition and fees attributable to semesters that I attended the University less the {$300.00} in fees I already paid and {$300.00} in late fees assessed for semesters I did not attend the University. I also informed NCM that I wished to pay the actual debt and bring the matter to resolution. 

I also informed NCM that it no event should it allocate any payments I make to it for any fees attributable to any past, present or future semesters for which I did not attend the University. 

I am eager to pay the actual debt and resolve this matter. However, I refuse to pay any improper fees. I have attached documentation evidencing the information above. 

XXXX XXXX
The account is open and current NOT CLOSED. Aldo the balance showing is incorrect. I am attaching the documents to reflect. The 1st attachment is the incorrect one and the 2nd is what should be reflected
I used to have a chase bank account and recently switched to a credit union. I was always able to make my credit card payments through an internal transfer within Chase 's website. However, since I switched I had to call and pay the bill via telephone. I did it with the pay by phone option. I entered my new routing number and account number, as well as the amount and the date I wanted it processed. After I submitted what I thought was the 'payment ' a long message came on that would typically occur at the end of a credit card payment submission. It gave me no options to continue or not to continue so I hung up thinking the credit card was paid. Once I saw that it never left my new checking account I looked on my credit card statement and saw that a late fee was incurred. I called customer service and they refused to waive it because they have waived one in the past ( note this was not a recent waiver ). I typically am very good with paying this bill as it was very convenient for me to do it from my Chase bank account to my credit card. I feel this long message that was put in the middle of the call is an intentional way to the deceit the customer into thinking the credit card payment was submitted when in fact it was not. That is intentional misrepresentation and fraud in my opinion. I want this resolved as I honestly thought this credit card bill was paid. I want my {$25.00} back due to chases negligence. Why would someone who paid their bill notice a day later if they intentionally decided to not pay it? Typically when someone does n't want to pay a credit card bill it goes on much longer than a day.
ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : - In XX/XX/2018, HSBC offered up to {$600.00} for opening a HSBC Advance checking account by depositing and maintaining at least {$5000.00} in an HSBC account and initiating a recurring ( on a monthly cycle. ) direct deposit to the Advance account. The promotional payments would by calculated as 2 per cent of the direct deposit per month with a maximum of {$50.00} per month for 12 months. 
- In XX/XX/2018, I took advantage of the above offer and directed the U.S. Defense Finance and Accounting Service ( DFAS ) to redirect my monthly XXXX XXXX payments to the HSBC account. 
- No promotional payment was made for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. The explanation was that no direct deposit was made that month. Further, I was charged {$25.00} maintenance fees ( since reversed ) for two of those months. 
- DFAS frequently makes monthly Military Retiree payments a day or two before the first of the month resulting in some months with two payments and correspondingly, some with none. 

ACTIONS TAKEN : - Summer and ongoing. Ive tried working with XXXX, Va branch. They could reverse the maintenance fees, but could not fix the payment issue. 
- I wrote the President and CEO of HSBC, NA on XX/XX/XXXX laying out the issue with no response until I again asked the local branch to prompt action. 
- On XX/XX/XXXX, I received a generic acknowledgement of my concerns from the HSBC Manager of Customer Relations in XXXX, NY. 
- After immediately thanking them, I asked for a status report on XX/XX/XXXX, nothing heard as of XX/XX/XXXX. 
- I again asked ( via email ) the manager of the XXXX branch on XX/XX/XXXX for a status report, again nothing heard. 
- On XX/XX/XXXX, I called the Customer Relations Manager in XXXX and left a message. Nothing heard since.
I do not have an account with XXXX XXXX I never opened an account with them and really unsure why they are reporting on my credit a Open account.
I just had a collection account from 2013 show up on my credit report from some first federal credit and collection. this would have been include in my XXXX ch XXXX discharge. but I want it taken off my report since they just put it on my report 3 years later if it is not deleted of my credit report I will be seeking legal action against first federal credit and collection
There are XXXX credit cards with Chase, obtained for airline miles. We typically use a single check to pay off the XXXX credit card balances, including the deposit tear-off sheet in the credit card balance. for some reason, XXXX account received all the credit, leaving the other XXXX with balances. Three written requests were made to Chase to transfer the surplus money in XXXX account to pay for the charges in another. On XX/XX/2017 we were sent a letter. By the time we received the letter, on XX/XX/2017, Chase was threatening to close the account.
have closed credit card with  Capital On e reporting as charged off on credit reports, was sent a letter last year stating that they were reporting it incorrectly and   XXXX   XXXX    deleted the account from their report but the other  XXXX  agencies did not. Now  Capital One  says they are reporting it correctly, I am currently paying them through a debt settlement company, they will be paid the settled amount  XXXX    XXXX  . This account was never sold its been with  Capital One  the entire time. Its not considered a chargeoff if you came to a settlement and are getting paid on a monthly basis.
MyMy US BANK account definitely had some strange activity to the tune if like I 've XXXX . Some activity occurred with a card I personally never activated.I sometimes take my mail and throw it in my side door pocket to read for later on ( a habit I will now stop ). My phone went missing around XXXX XXXX. All my passwords/ usrnms were kept in the phone. In all On bad terms with an ex bcuz I filed a restraining order and naturally not all his friends were happy with me and Im wondering if one of them may have had it in for me. So there are several possibility. It took like a week for.the paperwork to file the fraud case to get to me.and there 's a hold on the account. As a result the bank took my SSI a d applied it to the negative balance and withheld all access to it. Im driving without insurance, all my bills and rent are late and I have a car title loan which is now 5 days late. This is like a secondary victimization. Im constantly being told the acct is set to close and only my home branch can lift the hold. Yesterday that proved to be untrue.
On XX/XX/2019 I submitted a request to XXXX for them to update and investigate inaccurate information from IC Systems that is reporting an account on my file that is from an account that I never opened with XXXX XXXX XXXX. They have been unable to send a contract from the original creditor showing the account is accurate and valid, while Transunion is completing their investigation after only 7 days. This shows that XXXX  is violating the 30 day rule and are siding with the debt collector without doing the proper investigation to verify the accuracy of this account on my credit report, due to this fallacy I ask that this account be removed from my credit report and for my information to be updated. If not then I have no problem with taking my case to an attorney for advice on this matter
in late XX/XX/XXXX, my mortgage company Ocwen, offered to modify my mortgage so that I would not lose my house. During the process, the representative advised me not to pay my current monthly bill until the modification was completed. I did as advised and withheld payment until the modification was accepted and complete, but then noticed on my credit report that they were reporting me 60 and 90 days late for the time period that the representative told me not to pay. 
I have contacted Ocwen, and requested that they change those 2 months ( XX/XX/XXXX and XX/XX/XXXX ) to " no report '' instead of late, as it was their representative who advised me to be late.. They refuse to help. 

Unfortunately, the conversations with the representative were only verbal. I don't have dates or the person I spoke to as it was 2 years ago.
I sent a letter to XXXX XXXX XXXX requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
In XX/XX/XXXX my car died and I had to purchase a car immediately. I was working on repairing my credit from a previous bankruptsy in XX/XX/XXXX when this happened. Anyway the only finance company that would finance me was Exeter finance at 27 % interest rate. Being a single mom without no other income but my job, I had no choice but to purchase the car. I did not have money to pay cash for a car and I had to get back and forth to work. By XX/XX/XXXX I was struggling and forced into filing a chapter XXXX. I was told I would be required to pay the full amount of the vehicle but the courts said only at a 4.75 % interest rate instead of 27 %. I have been having money taken out of my check for over two years  now totaling almost {$9000.00}. My attorney and I just discovered Exeter never filed a proof of claim as required by the courts. So all of this time the money that should have been going to Exeter was going to my student loan and unsecured debt. At this time I do not know what to do! At this point my only option is to convert to a Chapter XXXX and surrender the vehicle. Otherwise once I get through the XXXX in the next 2 and a half years Exeter is going to come back and ruin me again piling on the amount of the car and late fees. I really don't want to do this. My attorney and myself contacted them multiple times about not filing the claim to no avail. I emailed them a couple months ago explaining this situation and asked if they would reaffirm the loan for the amount the car is worth now at a lower interest rate since it should be half way paid off by now and they did not file a claim. No one ever contacted me. Instead they contacted my attorney and told her WE DO NOT WORK OUT PAYMENT PLANS. She said ok then why did you not file a proof of claim back in XX/XX/XXXX as required by the courts? The person she spoke had no answer and said she would have to get back with her. Needless to say she never heard from her again. They would have had the entire car paid off at 4.75 % interest on top of the 7 months of payments I had already made. I feel like this was a shady business practice to XXXX me over.
On XX/XX/2018 I received a voice message from a XXXX XXXX at XXXX stating to be from a law firm. Additional family members where contacted from Mr. XXXX and as well given my confidential information. I advised Mr. XXXX that I am willing to contact XXXX XXXX and make any arrangements. Mr. XXXX stated that I was unable to make any arrangements with the company and I needed to make a full payment today if unable to make a payment arrangement with him. Mr. XXXX stated her would be filing a motion for civil and criminal action against me if I did not complete a payment arrange. Mr. XXXX stated that I had committed a crime. Mr. XXXX stated that a freeze would be put on all license and any additional purchases that I make. Mr. XXXX attempted o provide me with his contact information instead of XXXX XXXX. I advised Mr. XXXX that I would need documentation from XXXX XXXX. Mr. XXXX forwarded me to his Director and the Director advised me of all payment options. Once declined and asked for additional options, the Director advised me that criminal action would be taking against me  and hung up in my face.
XXXX XXXX XXXX  XXXX Account Number XXXX account was never late 30, 60, 90 or 120 days or beyond.
I received a call from Clearview Resolution Services this morning, phone number XXXX. The call was an automated message stating they were " unable to process [ my ] payment and [ I ] needed to contact them back immediately to resolve this issue. '' Before calling them back, I logged into my bank account and checked all of my payments. All had cleared, nothing was pending. That is when I knew this was a scammer. I decided to call back to see what they said and to get the name of the company, if they stated one. 
When I called the number a man answered " Clearview Resolution Services, can I help you. '' I stated, " I 'm not sure, you called me. '' He ask me to hold. I timed it, I held for approximately three minutes. When he came back on the phone he asked if I was, i.e., XXXX XXXX. I stated, " no. '' He asked again, " You are not XXXX XXXX? '' And I stated again, " No, I am not XXXX XXXX. '' Then he asked, " Do you know XXXX? '' And I stated, " No, I 'm sorry, but I have never heard of her before. '' He proceeded to ask, " How long have you had your current telephone number? '' I advised, " I do not know how that information is relevant to you, but over two years. '' He then stated, okay, we will contact the, i.e., " Hometown, State '' records, for current information on XXXX XXXX. I told him, good-luck and goodbye. 
The name this man originally asked for was close to my maiden name, but not correct. Secondly, I did n't correct him because I did not want to give him " my correct maiden name ''. In addition, I have not used that name in over 25 years. Also, I filed bankruptcy 9 years ago so I know there are no collections or other accounts on my credit besides the new accounts I have built in the last 8 years. And since, I meticulously check my credit scores monthly, I know for certainty that my current accounts are in good standing. 
Lastly, the reason I decided to report this call today and not ignore it is that last week my credit union alerted me that my identity and personal information could have potentially been breached through XXXX. I was sent a link to check my status and to determine if I was eligible for free credit monitoring. It was determined I was eligible for the service and I have signed up even through I already have my own identity theft protection. 
I feel this is the " first breach '' of my identity and personal information because this company was clearly going to try to scam me for a debt that is a counterfeit.
I opened a santander Simply Right Checking account on XXXX XXXX and used a promo code to get {$250.00} if certain requirement are fulfilled such as direct deposit and bill pay. I fulfilled the requirements but did n't get the bonus because my account was closed on XXXX XXXX. According to the bank the account was closed because they did n't receive my signature card. I did send them the signature card and am not sure why they have n't received it. In addition, they did n't not notify me prior to closing my account resulting in some of my bill payments getting reversed costing me in fees.
I was denied a bank account by two credit unions XXXX XXXX and XXXX XXXX and were denied accounts by both because of what was found in my chex systems they both stated that chex systems showed where I mishandled a checking or saving account. After reviewing my report I did not see anything wrong with my report and called chex systems to explain the report to me. The agent stated that there was no indication of any mishandled accounts so I called both banks to see what they were viewing and they told me I have to refer back to chex systems and they had to remove the comments that were preventing my from opening the account. Chex systems stated that there is nothing that I could do and to go back to the bank. I would like to know what I need to do to clear the items that are preventing me from opening a bank account its not clear what's wrong.
Hi, I contacted Everbank to have my CD from XXXX XXXX to be transfered to their bank ( EverBank ). 

My CD came to maturity on XX/XX/XXXX. All the forms required by Ever Bank was done and sent to the bank .I was in contact with XXXX XXXX at Ever bank that assure me that all forms had been sent to XXXX XXXX on XX/XX/XXXX Ever Bank CD rate at 1.75 % Today XX/XX/XXXX I received a notice from XXXX XXXX telling me they had renewed my CD at 1.26 % for 2 years. I was in a state of shock. 

I called Ever Bank and talk with XXXX that assure me again she had sent all my papers to XXXX XXXX, and that the XXXX bank had not responded to them yet, so I told her about my notice from XXXX XXXX, and that they had renewed my CD. She then proceeded to tell me that I should have contacted XXXX XXXX to see if they had send my money to their bank. So I asked her why she did not follow up on this, since she was doing the transaction and that my CD came to maturity on XX/XX/XXXX. She told me she did not know about my maturity date, I told her I had done business with many banks in the past and that transaction is usually between the the banks, and if I was supposed to check on that transaction she should I have told me. 

I called the complaints service at Ever Bank and told them my story. They told me they had sent my transfer forms for my money at XXXX XXXX at my address. I asked them why sending it to me, and beside that I never received them. If I had received those transfered forms by mistake I would have called them and send it back to the Bank. 

Is there anything that can be done.??? without loosing money, since XXXX renewed my CD. 

thanks XXXX XXXX
I had a Capital One Credit Card that was open from XX/XX/XXXX-XX/XX/XXXX. I went through a financial hardship in XX/XX/XXXX and in XX/XX/XXXX. I was diagnosed with XXXX XXXX and had to miss work on these two separate dates for a hospitalization and was late on 2 payments in the amount of {$37.00} and {$40.00}. I since closed the account in good standing.