WillisBack/dataset-financial-user-claim huggingface dataset:
US BANK tried to force me to purchase a higher-risk product. The bank allowed my 30-year fixed Refinance application to expire, and then suggested I pursue a XXXX ARM. This is what happened : Interest rates had fallen and I applied to Refinance my home mortgage with US Bank. I was able to lock a low interest rate of 3.375 % for a 30-year fixed mortgage on XX/XX/2016. My initial paperwork and documents were immediately submitted on the same day. I received Conditional Approval of the loan on XX/XX/2016. I quickly submitted the additional documents required for Final Approval on XX/XX/2016. Afterwards, no further supporting documents were ever requested. 

I waited for Final Approval for more than 2 months. No further documents were being requested during this time, but also no decision was being made by Underwriting. During this wait period, I checked with my mortgage officer every 1-2 weeks. I was concerned because it was widely believed that interest rates would be rising. Each time, I was reassured that the application was with Underwriting for " Final Approval ''. I was reassured nothing else would be required from me. 

But finally after 2 months, the interest rate lock expired. Underwriting never made a decision, but they never asked for more documents either. I was simply informed that the rate-lock expired, and the new interest rate is higher, and so there would be no purpose to pursue the Refinance any longer. The mortgage officer suggested I now consider pursuing the " XXXX ARM '' product with them. 

US Bank and its underwriters, mortgage loan officer and mortgage loan processor did not process my application in Good Faith. They did not request further information beyond XX/XX/XXXX. They had nearly 2 months to make a final decision with all documents and information available to them. They clearly took far beyond a reasonable time to make a decision on the application. They did not uphold their end of the bargain. The rate lock expired while the application sat in their department. It appears they purposefully undermined my application by deferring to make any decision for Final Approval by the Underwriting department, and allowed the rate lock to expire. They did not deny my application. They simply did not make a decision. 

During this time, it was widely speculated that interest rates would rise. And after the rate-lock expired, interest rates were indeed higher. I believe they intentionally allowed my application to expire in an attempt to force me into choosing a riskier product, or at least into paying a higher interest rate.
In XX/XX/XXXX, my spouse purchased some jewelry on the XXXX website. In our online account information, we have her card, my card, and a joint card listed. She mistakenly placed the order with my card. XXXX months later she made another purchase, this time with her card. When it came time to pay the monthly bill in XX/XX/XXXX, we discovered that my card was nearly XXXX months overdue due to the fact that my spouse had used it by mistake. I had n't checked my account because I had not used it. We were charged {$100.00} in late fees and then my credit report was hit with a delinquency notice. At no time, did Macy 's ever send a written notification of the missed payment. They state that because I was paperless it is my responsibility to check online. However, since I never made purchase ( at least not one that I was of ), I did n't check. I believe creditors are required to notify in written form of a delinquency prior to sending you to collections or issuing a delinquency notice. In any case, once the discrepancy was discovered, the account was paid off. I feel that punishing me with a delinquency that will stay on my file for up to 7 years is unjust, particularly when I paid almost twice for the value of the original charge ( approximately {$140.00}. ) This behavior is very abusive and unfair. Macy 's has discretion and to punish a customer/consumer in this way is not only excessive, but vindictive. The account was paid and so was a substantial fine, relative to value of the original purchase. Furthermore, Macy 's made not attempt to alert me to the missed payments. They simply avoid doing this in order rake excessive fees. Then they add further injury by harming my credit history and raising my cost of borrowing. There has been no other time in my history with Macy 's that I have been delinquent, and I have had this particular account, since I was XXXX years of age ( XXXX years ). This type of behavior should be allowed to occur in our economy. Fortune XXXX companies are given far more leeway and protection than individual consumers.
i have filed several disputes with XXXX dealing with a few accounts. i have sent proof that the information is not reporting correctly, yet they send automated letters saying it updated and verified. it can not be verified as it still reports incorrectly. i have asked for information on how the investigation took place and what info did they have to prove that the information is correct. On XX/XX/XXXX they received the first dispute asking to investigate along with PROOF. they responded that the information was updated, however it was NOT. on XX/XX/XXXX i sent a re-investigation letter asking for details of how the proved the account they did not send any information but claimed it was verified. they did not aknowledge any letter i sent. XXXX XXXX has admitted that they do not have any information to validate that I am truly liable to a debt, yet XXXX  says they have it and will not send to validate the debt.
In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXXand sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu Experian and XXXX report for reference.
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
This Debt Collector was trying to get money from me that I do n't owe through fraud and false information. They said that I had a credit card with XXXX XXXX XXXX XXXX, they went to court and tried to sue me, the case was denied and they tried again in another court to get garnish my wages, the case was dismissed again a 2nd time, this time, they said it was for a check where all the evidence showed that, I have never owed them anything. I have requested for the Knight Adjustment Bureau to not contact me for any reasons in writing that never stop them from contacting and harassing me over and over. They kept reporting the info as correct to the XXXX credits bureau and regardless of the court orders that it was dismissed and kept telling other bank to not do business with me while they know they are wrong.
I am on an income based repayment plan and I am supposed to recertify my income yearly. So I go to submit my recertification and the XXXX website is down for maintenance for several weeks. Since I did not get to turn in this recertification they quadrupled my payment which I can not afford. I tried explaining this to them to no avail. I even have a screen shot of the website showing the downtime message so they can see that I 'm not just making stuff up. I can afford my regular payment and even budgeted for an increase but XXXX my regular payment is just absurd. Also I have tried to change my due date several times, which they say on their website is an option, but my request is routinely ignored or just immediately denied without good reason.
Our current mortgage is with Chase, at an interest rate of 8.249 % down from 9.99 % after finally getting them to modify the mortgage a few years ago. We are underwater on our mortgage but have never been late or behind on the payments and have been with Chase since 2008. Chase is unwilling to modify, or reduce our rate to the current national rate. My credit score is XXXX and my wife 's is XXXX. We do n't dispute the outstanding balance, we feel that Chase is taking advantage of the situation and will not work with us to lower the rate. Due to the fact that the mortgage is held by Chase, not XXXX XXXX or XXXX XXXX, we do not qualify for the HARP program. All we are looking to do is to be able to refinance at the current rate. If seems that because we have always made the payments on time and try to do the right thing, we a being taken advantage by Chase for being a responsible citizen. Again, all we are looking to do is lower our interest rate, I hope you can help our situation. Thank you.
A person deposited my check in Suntrust Bank in XXXX Florida, and I do n't have any account at this Bank. I have a copy of the check that was deposited and it shows the account number on the back. XXXX supervisors I have their names, XXXX agreed to the name I thought might be on the account and it was on the name on the account, and they XXXX agreed to me being on a recorded line and they XXXX said the XXXX name that I asked if it was on the account was not on the account. They never should have been able to deposit my check. Please help me get answers to such negligence in the banking system.
I was identified by Equifax as having my personally identifiable data exposed in the security incident occurring between XX/XX/XXXX and XX/XX/XXXX, by checking the site : https : //www.equifaxsecurity2017.comXXXX, entering my last name and last 6 of social security number, which stated : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I put a free government-allowed 90 day freeze request as of today, XX/XX/XXXX.
i have tried to no avail to get these fraudulent accounts removed off of Equifax. They have a glitch in their system they refuse to fix. These accounts are not mine and i have provided my case number to my fraud account from the police. These accounts are not mine and need to be removed : 1. XXXX # XXXX 2. XXXX XXXX XXXX  # XXXX and XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX 6. XXXX XXXX # XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX # XXXX and XXXX
3rd party collection agency FCBS calling multiple times and hanging up, then refusing to tell me why they are calling. Finally they disclose an attempt to collect a debt which was paid in XXXX 2015. I have advised them to cease and desist.
XX/XX/XXXX To whom it may concern Our hardship began back on XX/XX/XXXX when my husband, XXXX XXXX lost his employment with XXXX XXXX XXXX. At this time we reached out to XXXX, XXXX XXXX XXXX, the mortgage holder, to inform them of the loss of employment and to seek out assistance and help. We were directed to there Loss Mitigation Department but they did not help us and the loan went into foreclosure. 
At this time, on or about XX/XX/XXXX we contacted our Community Legal Services for assistance, help, advice and guidance on resolving our legal situation. They assisted us with providing an answer to the Courts and arranging a mediation which took place on XX/XX/XXXX. A settlement was agreed upon but was never enforced. During this process we notified all parties that my husband, XXXX XXXX, became employed at XXXX XXXX on XX/XX/XXXX. 
In XX/XX/XXXX XXXX XXXX XXXX became the owner of the loan and again we applied and submitted documents for a loan modification. We received a preapproval for a modification in XX/XX/XXXX of XX/XX/XXXX in the amounts of {$2600.00} as an initial payment followed by a monthly payment of {$1400.00} which was to start on XX/XX/XXXX. We did not sign this preapproval and requested a reevaluation because we were not able to make this payment. The loan went into foreclosure again in XX/XX/XXXX and we hired XXXX XXXX XXXX XXXX to represent us. We were able to get the loan out of foreclosure and attempted many times to obtain a modification but still nothing happened. During this time the loan was sold again and went to Selene Finance and the process began again until legal representation ended on XX/XX/XXXX. 
During this time we applied to the different government programs available : XX/XX/XXXX- Hope for Homeowners XX/XX/XXXX-Florida Hardest Hits But we were not able to obtain assistance from anyone. 
We are now faced with the selling of our home which is scheduled for XX/XX/XXXX. This is why we are reaching out to you for help. We would like to see if you will be able to look into our case because after doing some research we believe that we may be a victim of predatory lending.
Our problem seems to be with Ditech billing system. AND COMMUNICATION! Since Ditech bought out our mortgage, we have been paying electronically and ALWAYS on time. For the last several months we have been notified that our payments have not been received and late fees charged. I have had numerous phone conversations with Ditech, validated the account number, the issue is apparently resolved, but the next month it continues all over again. I fear this will show up on our credit report and want it fixed. I finally had a conversation with a supervisor and she assured me she found the error - on their end, and it would be fixed within a few days. 
That was last week, and our statement is still indicating we have not paid and now no one will respond to our calls. I have bank statements to prove payments have been made, - on time, and cashed by Ditech. They seem to be purposefully not responding, this is just not acceptable. This is so frustrating, are you able to help?
According to the website created by Equifax in the wake of their data breach, it is likely that I am among the 143 million people compromised. I do not wish to take part of their services in response to it as that would waive my right to a class action lawsuit.
To Whom It May Concern : This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I have not lived at theses following addresses and they need to be deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
A collection account in the amount of {$690.00} from XXXX XXXX XXXX   appeared in my credit report on XX/XX/2017. Since this is not my debt, its source has links to the XXXX credit breach of XX/XX/2017. The credit breach has compromised all of my personal information within the credit files of XXXX, XXXX, and XXXX that now show collections for accounts with businesses with which I do not transact business. 

I am hesitant to engage with XXXX XXXX XXXX XXXX because of its unfavorable customer service and dispute resolution practices well documented within the XXXX XXXX XXXX. According to the XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX has 64 negative reviews out of a total 67, many of which pertain to business practices that run afoul of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act.
I have repeatedly tried contacting and disputing XXXX collection which were placed against me which are not valid. Items # XXXX and # XXXX need to be deleted from my credit reports. On XXXX/XXXX/15 I sent a complaint and a dispute to Collection Consultants of California regarding XXXX previously invalid collections placed against me. They continued to leave machine recorded messages and text messages on my cellular phone regarding this debt that i supposedly owe them and I have had enough of their unlawful tactics. I have not even received the required partial response within 15 days after my initial CFPB complaint adjacent them. These items, which I have disputed since XX/XX/XXXX with them and the bureaus are still reporting on my credit files and that is not legal. They are ignoring my disputes and have not sent or validated the debts nor have they responded to my requests to stop communicating with me. I have waited for any verifications through the credit reporting bureaus and have received nothing. I have no idea why these XXXX accounts are on my credit report as these bills were paid in full through a lawsuit/ judgment against a limosouine company years ago. I have no part in this debt nor is this debt, which they continue to ignore and blindly verify, legal. They use abusive and frequent tactics to harass me and that is senseless, as I do not owe these XXXX debts. They have failed to verify or process my dispute # XXXX
XXXX  student loans have been  discharged a nd I have a letter from the   XXXX   XXXX   XXXX   stating all loans have b een discharged.  The  XXXX  credit bureaus refuse to accept the letter.
I was unemployed and missed two payments with this bank on each of my three cards through XXXX XXXX. I made payment arrangements with them for each card. The agreement with them as they stated would also remove any and all associated late fees and added interest for the balance of the cards at the time I scheduled the payment plans for each card as long as each payment was paid as agreed. After the first payments things were paid as my agreement, however payments were never reflected through reporting agencies or balance on cards. I noticed that payments were setup on a temporary account for my first payments on the payment plans. I called in to correct the account to make the withdraw of my next two payments and was told I was all set. Next payment that they tried to withdraw was not processed because they still had n't updated it as requested over the phone and in confirmation from the CS representative. So now all three accounts are even further past due, more collective interest and I 'm over my balances because of all their accumulation of charges NOT MY PURCHASES! This is vastly affecting my ability to get my good credit back and rendering me seemingly helpless getting a better position for work due to my obliterated credit score. This has been going on for weeks and I do n't trust making another payment, updating my information and wasting money that will never apply.
My personal information may have been leaked by the Equifax cybersecurity incident on XX/XX/XXXX ( https : //www.equifaxsecurity2017.com/XXXX ) which was reported to the public on XX/XX/XXXX. Their website confirms that my information may be have been compromised ( https : //www.equifaxsecurity2017.com/XXXX ).
On XXXX/XXXX/XXXX, XXXX apples for an American express gold card. Which was my first card as far as obtaining with credit. I was uninformed or did n't have the knowledge that this particular card was a charge card and had to be paid within 30 days. Had I known I would have not applied for this card. I assume that you could carry over a balnce and just pay the minimum balance due or a little if able to. Once I receive my first statement and spoke to a representive a month later after making charges that I thought could carry a balance. I then informed that this is a charge card and it could seriously damage my score when it reports my utilization to the credit bureau 's. Unfortunately my job has cut my overtime and I am not working the minimum hours. My gold card limit had decreased a month later which is better for me with a limit now of {$3000.00}. I am unable to pay the previous balance of {$5000.00} and much time is needed and also the monthly installment payments are to high due to the over due balance. I do not want my account closed nor do I want a charge off or my credit suffer because of this misunderstanding. I am trying to work out a resolution without the account being closed. As I stated I ca n't afford the high payments for the gold card that s split into two payments.
I was getting ready to travel to the XXXX for work and was told best thing to do was to get a prepaid card to travel with I then got an American Express serve card. Money was then deposited into account. I started receiving emails about transactions being made went online and ATM card was used a total of XXXX dollars gone. I called immediately and reported this I was told I would not be responsible for the charges and would be issued a credit within XXXX7 days of investigation within XXXX3 days I received an email stating my dispute was declined I was in XXXX with no funds and no help. I 'm not sure what type of investigation was done that fast. I then went online to look into reviews on this card and nothing but negative reviews. I will never use this card again and to be stuck in a foreign country with no help was the worst feeling
U.S Bank put us in a program after hurricane harvey hit and said we wouldnt have to worry about anything happening to our credit or late payments. They ended up saying we didnt pay them for 3 months that were after our program when we werent supposed to have to worry about that. We were told it would go to the end of the loan period.
I did n't no what option to select from above in regards to my complaint. My issue is with my XXXX XXXX charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from XXXX XXXX last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. XXXX XXXX did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the 3 credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to XXXX XXXX explaining again the whole situation and how this happened.