WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX seized my bank accounts, took all my money and said that I am not the head of household, I am the only one in the household and almost lost everything because of their XXXX. This is from a credit card debt from more than 5 years ago ( beyond the statute of limitations in Florida ) from when I was unemployed and alerted them of the unemployment status, but they still sent the file to an attorney and just took everything. Then, XXXX XXXX XXXXXXXX, where my accounts were, also froze my accounts for more than the amount of the judgement and continued to return checks and try to collect fees for funds that were there.
Last year I called Bank of America for  two  of my accounts, to try to set up a payment arrangement as I was having financial problems due to health and paying my moms rent. They said they set me up, but nothing happened. I called them and they said they could not help but sent me a letter. I asked for another letter, which they sent. All it said was We are unable to assist you. Literally that 's it.     So about 4 months ago, I spoke with someone who said if I set up regular payments to come out automa tically, after three months my accounts would be reeaged. I have made the three payments all on time, and they have not reaged my accounts. They are falling far ther and farther behind, and now the payments to bring it up to date are way out of what I can afford.     All I want from this company is for them to honor what they have said and bring my accounts up to date with a reage. Not working with me at all on this and lying everytime I ask for help has ruined my ability to bring the account up to date, and is ruining my credit. I know there are delinquencies on there that are my fault when I was unable to pay. However, I think all the last ones should be removed, and reage the accounts as promised.   Listen to the phone call from about 4 months ago. It was obviously with a newbie, as I was put on hold over and over to check answers, but she was being coached. I did n't think this company would have these unfair tactics again. Please listen to your reps and what they told me, and then just reage my account, so I can try to salvage my credit. RESPONSE BY USPS MAIL ONLY PLEASE. I want proof of everything from now on. I requested no more calls to my cell phone, and I want no more calls to my cell phone. BUT I WOULD LIKE A RESPONSE FOR A CHANGE. You are being unfair and just rude for treating me like this. Is it because I do n't make enough money? I 'm too poor for your bank? That 's what I think, even though you are charging me ridiculous fees and interest even while I was supposed to be in a program. I have received no communication and my account is still months past due.
Last month I requested that my mortgage company provide me with the modification agreement to substantiate the interest they are charging me in my payoff ( please see attached ). They told me they could not email or fax it, but they would get it to me in a few days. It has been more than a month and they have not sent it to me yet. They are holding me up from refinancing and I am about to lose the low interest rate that has been offered to me.
hired foreclosure defense group charged me a starting fee off XXXX plus monthly payments of XXXX for a loan modification and protect the house from going to foreclosure, house was sold and forclosed. no idea if we were approved or denied the modification no notice of redemption period withdrew money even when the house went to public sale, sheriffs sale and when house was sold. most communication was via email some phone messages but not many. was told to just keep sending the necessary documents as needed and we did. lead us to believe all was going fine. Only time we spoke with the attorney was when he told us that the house was sold and we would eventually be evicted. The people that we dealt with on a regular basis were only customer service representatives, not even parrallegals or lawyers. Now were fighting for our rights and our home. Trust is a very hard issue and we have never felt so taken advantage of. The law firm had plenty of time to file a TRO ( temp restraining order ) and an emergency chapter XXXX. What these people did was they were dual tracking of the loan with the mortgage company. So unjust and wrong. The completed contract should have the attorneys signature and it does n't, wondering if it was all real or fake. We have lost the most dearest memory of all our home.
Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX
We have been attempting to submit a loan modification package to our servicer - FCI. They are saying that the investor - XXXX XXXX XXXX - won't work with us for a modification. FCI gave us contact info for XXXX XXXX XXXX and it goes to someones personal cell phone who has no idea who I am trying to reach. When attempting to search for XXXX XXXX XXXX online, there is no records of this company. We have also tried to reach out to their attorneys, XXXX XXXX. We do not understand why not a single attempt is being made to review our modification package. We are qualified for a loan modification. We would like to be reviewed for a loan modification to help save our home.
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result.. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
There are two reporting errors on my current loan and credit reports. Exeter is reporting me late 30 days on XX/XX/XXXX and XX/XX/XXXX in the amount of {$350.00}. First, I was never late in XX/XX/XXXX as seen in the provided documentation. Second, I applied for a hardship extension in XXXX of XXXX and was told over the phone by a customer service representative that I could indeed push a payment to the end of the loan based on the fact that I had been unemployed but was currently reemployed and needed time for my payroll to start before I could make a payment. One can clearly see that XX/XX/XXXX is missing from my payment history and there is an extension notation on the right side of the provided documentation which accounts for this. This however has nothing to do with XX/XX/XXXX which clearly shows as paid. I believe these two months to be mixed up somehow. When I called to have Exeter correct this information I was told by a manager that it was illegal for them to correct any reporting to the bureaus. This call occurred on XX/XX/XXXX with XXXX XXXX ; I asked her where specifically it was stated to be illegal to correct erroneous information according to the FCRA and she proceeded to tell me : " that is just how we do business at Exeter and it would not be fixed ''. I then asked her if our call was being recorded, she said it was. I am currently getting my credit in order to buy a home and so have just recently noticed these inaccuracies. Had I noticed sooner I would have taken action sooner. Thank you for you help I certainly need it.
I fully 500 % agreed XXXX XXXX patient billing should of inform that there is two separate payments one for Hospital doctor and one for Hospital But they kept taking payments. Not until end of XX/XX/2018 did I find out about the need for two payments needed to become made.

So now need to go under a {$10.00} payment agreement and after three months of faithful payments no longer a negative on our credit report.

Yes needs to be reported to XXXX XXXX  billing the glitch that did happen. For I would of gladly of made two payments but I honestly did not know I needed to do this. But once I found out I took proper action as clearly shows I did.

Sum it up Now needs to be put on a {$10.00} payment agreement and prayerfully set up to become started XX/XX/2018 and in XX/XX/2018 after making three month of faithfully payments. Negative become removed from my credit report than.

XXXX XXXX XXXX XXXX
When   XXXX   XXXX   contact me about my debt from my hospital visit I set up a payment plan with them. I paid in full and a few month later I noticed a collection from Plus  Four  Collections for  XXXX . I called  XXXX   XXXX  and was told I had a  XXXX  balance after the repayment. On  XXXX / XXXX / XXXX  and  XXXX  passed it on to investigation. I called back on  XXXX / XXXX / XXXX  and  XXXX  and I was told the investigation would be completed  XXXX / XXXX / XXXX . I did not hear back from anyone until I pulled my credit to buy a home and I still see the Plus  Four  Collection.     I called both companies and spoke with  XXXX   XXXX  on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and on both times I was told that there was a  XXXX  balance and the reporting could be corrected with an investigation. I finally got to a supervisor where I was told there was a different account under the same account number that posted later that was not collected, that amount was  XXXX . Yes a later account for  XXXX  that was part of the same account number. I have since canceled the purchase of my dream home as the estimated interest rate difference was  XXXX  to  XXXX  because of the low credit  score  from the  XXXX  collection that was re-reported on  XXXX . The supervisor told me I was called in  XXXX   XXXX  to be notified of the " new '' collection. I was and that is why I called in and spoke to  2  different people in  XXXX .
During the time of XXXX my identify, bank card and cellular device was stolen. Once i finally was able to retrieve my belongs i realize that my debit card with boa was stolen as well. When i contacted them they told me i had no worries because my card was frozen. At that time i also told them I didnt have access to my login id. They lady i spoke with told me well my card is frozen so nothing will be coming into or out my account. She also told me my account doesnt look like its going to be closed and if so, wait until Wednesday to hear back from them and if no call or email then my account will be re open. That very day Wednesday i called and spoke with someone told them what the lady told me and they had told me well i dont know why that information was related my account was officially closed. I asked why and they said because a check. I then begin to ask questions because I was very confused if they were talking about about my direct deposit from my job. I ask them well what can i do about my account and funds and they advise me my money will be mailed and no longer want to do busy with me very rudely. And my social is report on the blacklist for stolen check that i was never aware of. Exactly XX/XX/2018 my account was closed without me knowing anything and until this day my funds are still not being issued to me all because a check was out into account at the time my identity and belongs were stolen.
Allied collection services was contacted by myself to resolve a debt account that has been settled in full with another collection agency ( XXXX XXXX XXXX XXXX ) but still remains delinquent on my credit report through Allied collection services. Allied is unwilling to update my account status.
I contacted Chase back in XXXX 2016 to have my payment due date changed to XXXX XXXX each month to have the same due date as my other account. The failed to do so and my account. Again, my payment due date should be XX/XX/XXXX instead of XX/XX/XXXX. 
Chase is reporting my loan 30 days delinquent for XXXX 2016 and XXXX 2016. In called in twice to remit telephone payment on XXXX XXXX, 2016 because they lost my mailed payment and assessed me a fees. However their systems did not report in the systems Finally, I logged on XXXX XXXX, 2016, and made the past due payment of {$180.00} to avoid negative credit reporting. My payment due date is on the XXXX of each month ; as such, XXXX 2016 should not be reported late. I called the representative today and she said that the minimum payment was not satisfied because a new billing statement was issued ; however, the phone and internet information was inaccurate and I paid what was reflected online. In XXXX 2016, I mailed in my payment and again it was lost my chase. Researched my bank records and show that the payment was not received. I was out of the country and called the payment in on XXXX/XXXX/2016. Chase took two days to reflect that the payment and my online inaccurately reflect that payment was made on XXXX/XXXX/16. This is due to bank error because I made the payment on XXXX/XXXX/2016. As such, my credit is being adversely impacted due to bank error committed in XXXX 2016 and XXXX 2016. This is ridiculous and predatory practices in violation of FCRA. The supervisor I spoke with today was very rude and unwilling to hear me out. Specifically, he did not understand or hear that I made my payment before the 30 day cut off date. As such, I am filing a formal complaint against that person as the call. I am unable to refinance my house due to negative credit reporting. This is ridiculous!!
I have  XXXX  student loan token numbers for Direct federal loans taken out for  XXXX  school. I am currently on th e Public Service Loan Forgiveness ( PSLF ) progra m with FedLoan Servicing as my servicer.     My loans were originally serviced by  XXXX   XXXX , where I was enrolled in the Pay As You Ear n ( PAYE   ) pr ogram. I made qualifying PAYE payments between   XX/XX/XXXX  and  XX/XX/XXXX  . During this time, my employer paid $  XXXX  /month towa rds my loans, and I paid the remaining amount.  XXXX   XXXX  never mentioned to me that I was not enrolled in the PSLF program despite working for a  XXXX   (   XXXX  ) (  XXXX  ) employer.     Once I learned that I was not officially enrolled in the PSLF program, I had my loans transferred to FedLoan Servicing i n  XX/XX/XXXX  by  filling out an employer certification form, indicating that I qualified for the preceding year.     Sinc e  XX/XX/XXXX , I have  been trying to get FedLoan to accurately calculate the number of qualifying payments I have made for that preceding year. I have received from  XXXX   XXXX  my payment history, and submitted that information  to FedLoan. FedLoan indic ates that, instead of qualifying  12  payments from between   XX/XX/XXXX  and  XX/XX/XXXX , I  mad e 4 qua lifying payments on  XXXX  of my loan tokens, and  9 qu alifying payments on the remaining  XXXX  loan tokens. I have not yet filed the employer certification form for the payments made between   XX/XX/XXXX  and  XX/XX/XXXX .      I have called every month in an attempt to get an update on the calculation process. I have been told that the calculation should be processing, but after 6 months I have received no information.     In addition, I 've asked whether my paid ahead payments would count towards my PSLF qualifying payment count, and was told yes. I am unclear as to whether this is accurate. I ask because I believe I may somehow be paid ahead with my current payments ( with my employer 's $  XXXX  /month con tribution ), and can not determine how much I need to pay each month to make a qualifying payment. FedLoan will not provide me with that information.
I had a checking account with a debit card with SunTrust. The debit card carried a {$75.00} annual fee. I received a letter in the mail stating that they no longer wanted to continue my banking relationship and requested I close the account ( or they would close it by a certain date ). However, since I paid the annual fee for the debit card and will not be able to use it for the entire year I paid for, I requested a refund ( full or partial ) and was told they would not issue a refund. So They took my fee for a year, then closed my account after 6-7 months, but are keeping my annual fee.
Chase Mortgage sent inspectors to intrude into my property unannounced and make harassment calls. They are also charging me fees for this process. The mortgage payments are up to date, I requested Chase to stop this type of harassment as it 's not warranted. I have been a long term customer with them and have several accounts. This is not acceptable and not a fair treatment of the customers in good standing but with financial difficulties due to loss of income.     This is what they stated : Date :  XXXX   XXXX  From : Home Finance Support Subject :  XXXX  : Payment Inquiry Message :  XXXX  Hello   XXXX   : After reviewing your email, I can certainly understand your wanting to get this taken care of in a timely manner.   My name is  XXXX  and I am happy to assist with your escalated request regarding the recent inspection fees that were applied to your account.      XXXX , whenever a loan is  XXXX  calendar days or more past due, a property inspection is completed to determine whether the property is vacant or damaged. We charge a {$14.00} property inspection fee and we send are  XXXX  party vendor  XXXX   XXXX   XXXX   XXXX  to inspect the property.     Unfortunately, the inspections are permitted by your Security Agreement and the Department of  XXXX   Housing and Development   (  HUD ) guidelines. Since your  XXXX    XXXX   payment was received until  XXXX   XXXX ,   XXXX  , we ordered an inspection of the home to ensure the home was n't vacant or damaged.     We apologize for any inconvenience this temporary problem has caused and are committed to delivering the best service possible.     Sincerely,  Chase  Escalations and Support Services ( ESS )  XXXX   XXXX  TTY/Text Telephone www.chase.com
I was a victim of fraud in XX/XX/XXXX. All affected creditors resolved the matter on their end, removed the fraudulent accounts along with their associated balances and reported their findings to the credit bureaus. It is now XXXX and Equifax still has not removed the Inquiry from my credit report although XXXX has. Ive made multiple contacts over the past 4 months to the creditors trying to get all the credit inquires removed and I was informed that they have already submitted this information to the bureaus ( at least 2x now ) but Equifax hasnt actioned it. 
It is frustrating and disappointing that Equifax cant be more timely in processing requests that have a negative effect on my life and goals. I cant help but think that the fraud was a result of their data breach anyway. Credit inquiries should be removed at the same time the accounts and balance are. The fraudsters are evil for doing this to people but the bureaus sloppy clean-up practices allow the consumer impact to continue.
Secured Credit Card for {$300.00} cash deposit. Account was closed and Capital One Credit retained deposit. Balance should be " paid in full ''.

Several letters and calls being received from harassing outside Collectors.
I was unable to make the remaining payment to Net Credit, therefore my account was sold by Net Credit to XXXX XXXX XXXX per my credit file. Both are reporting as collection accounts with a balance of {$1700.00}. Since XXXX XXXX XXXX shows the most recent activity, I believe the Net Credit account balance should be {$0.00} and show as a charged off account.
I was told previously that my payments could not be reduced and so I was told i should go into forbearance so I did not have to pay anything back at the time. however, doing so my loans collected lots of interests and now I have to pay a very large amount of money back and can not afford it. I am now in the REPAY program and of course that balance is still collecting interests. Their is no lead way for borrowers struggling such as myself to have my loan forgiven or even a partial. I have been with my XXXX job for 3 years gping on XXXX in XXXX and the fact that I am not a full time employee I do not qualify for the loan forgiveness. I believe being with the company for this amount of years should could as some sort of acceptance to have my loan forgiven. the years should factor into this option of loan forgiveness even if it is not the entire loan. I was tricked into going into these plans that only made it harder for me to have the ability to buy a home or car without having a co signer. my credit is only ruined because of my loan. My loan was taken out at University XXXX XXXX. The fact that people have to pay such large amount to attend school is what makes people not want to attend any longer, thus causing the higher education rate to decrease tremendously.
NFCU Collections Department was contacted about past and current collections practices reporting my credit in error. Dating back to XXXX Collections and NFCU sold me GAP Insurance Product in the initial contract of my XXXX XXXX XXXX which was totaled XX/XX/XXXX I used the GAP Insurance to pay off my loan with NFCU. I was mislead to purchase deceptively by representative of NFCU telling me I would be able to replace my truck at the time approval of my truck/loans with no other requirements attached. NFCU received their money paying off my totaled truck then deceived me telling me until I passed a credit  check and if my loan wasn't delinquent I'd be approved. I wasnt told that when GAP was being sold as extra layer of insurance - while insured I'd be happy with the followings of buying it. Then realized that I wasn't being treated as. Member or Veteran but being lied to causing Hard ship on me. Collections Department Rep. misrepresented the consequences and abused his Authority by using my overdraft protection of XXXX to pay my loan while causing me financial hardship making my checking account negative. Denied access to my checking account and blocked accessed giving me access only if I paid my delinquent or overdrawn account.i wasnt offered another product of checking line of credit through my checking account. Although I have had my checking account since XXXX while deductions of fees were taken by NFCU. The NFCU was called about my injury in my job.My loan was consolidated while paying high interest fees, late fees to NFCU received the benefits yet again in XXXX. I didn't receive any funds to help my life but approved loan only increased my debt. I ask the collections department representative for help but they ignored me only helping himself sell another loan without any benefits to my financial situation. 
The NFCU representative told me I didn't purchase PMT PROTECTION PLAN PRIMARY LIFE DIS/IU after reporting my work related injuries on but I found a credit card statement proving otherwise that I was sold and purchased the XXXX   insurance PMT PROTECTION PLAN PRIMARY LIFE/ DIS/IU placing my account over the limit. The past due amount was one amount while asking the minimum payment another with XXXX limit. My account has been reported incorrect, with late fees attached, incorrect balance to the credit bureaus by NFCU. NFCU collected and monies from me I paid on my consolidation loan/credit card. Also in XXXX I had a balance of XXXX Reward Points on my Flagship Rewards Platinum credit card that NFCU that I never collected or was allowed to use but NFCU Violated my credit card rights and consumer rights by not honoring our contract to redeeming my rewards points on my credit card or debit card I use weekly for gas other purchases. 
I paid my bill within the 60 days and didnt received any compensation from NFCU even though I was threatened several times in letters from collections and telephone.
We were required to get XXXX XXXX from Chase on a XXXX Heloc loan. For the last five years we have been overcharged for this coverage. The coverage is XXXX this year and they had charged us XXXX consecutively for the last five years. Chase is now under a class action lawsuit " XXXX vs XXXX '' whereby it was discovered that Chase, " breached its covenant of good faith and fair dealing, unlawfully required its customers to carry excessive flood insurance for their property, and that it unfairly profited from receiving kickbacks in connection with lender-based insurance including in the form of commissions. ''