WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX XXXX loan. I am XXXX and on a fixed income. I applied for a loan modification with my lender Nationstar currently known as XXXX XXXX, and I was denied at first, then I went thru XXXX, and my modification was accepted. I did my 3 trial modification payments and received my final documents from XXXX XXXX. They added 19 years to my loan. I got my loan in XXXX. With all the late fees they say I am behind on my loan by XXXX. My principal balance went from {$160000.00} to {$190000.00} + {$5900.00} was deferred to the end of the loan. The loan went from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, 19 years added, no late fees deducted, and a balloon payment at the end of XXXX. I feel like XXXX XXXX is doing predatory lending.
Wells Fargo opened an account under my social security number and date of birth, it has been affecting my credit and information and that person has been using my info to get apartments and fraud on my credit card. I have complained to Wells Fargo and still nothing has changed and I am still able to log into Wells Fargo and open the checking and savings account online at WellsFargo.com. All Wells Fargo did w as mail me a fraud kit to pay them money to fix a problem they created.     After I logged into  WellsFargo.com the first time I made a complaint to CFPB and Wells Fargo. Then a few weeks later, I logged into WellsFargo a nd I noticed they changed their mailing address of the person who was using my account.
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, first national bank & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.
My son ( XXXX ) fianc ( XXXX XXXX XXXX  ) and my self lived in a two bed room town house that we were renting. The bathroom leaked and we had a flood that went through the ceiling to the first floor the flood was serious and XXXX  from the bathroom went through the ceiling as well. Instead of them fixing the problem they just brought fans in and cut the ceiling out. That night we had to sleep at a family members house. They told us the next day that they fixed the problem so we came back but had a family friend who does work in that field expect the house due to my fianc being XXXX XXXX XXXX and my son having bad XXXX. He checked the house out and stated the house has a lot of mold due to the problem not being fixed they just patched it up. I spoke with the office and he told them the concerns and health hazards that could occur. My fiancs doctor told her it wasnt safe for her to stay in the house due to Mold. Again we slept at a family members house for them to try to fix the problem we came back and they just were making excuses of why it wasnt fixed. I gave them a two week notice due to it being a health hazard for my XXXX fianc and son and they stated they were in agreement and recently we got that place on our credit
My second mortgage was sold to LoanCare. After a leak in my home created considerable damage, I started receiving checks from XXXX to pay repairers. Checks were sent to LoanCare to endorse. When the amount reached {$20000.00}, LoanCare put numerous obstacles in our path - a variety of paperwork from numerous people, checks that had to be returned because they were made out to the wrong person etc. The final straw was a check made out to me and XXXX subcontractor ( I had to pay XXXX different contractors ). I must now send this check back once again without confidence that I 'll ever get the money. They are obviously a shady company considering all the complaints I read on the XXXX website. Ca n't anything be done?
I found out about the Equifax security breach on XXXX XXXX, 2017. Because of this breach, my name, address, social security number, birth date, driver 's license number, and possibly even more data are now public information. They also did not notify the public of this breach until 6 weeks after it was discovered, allowing even more time for hackers to use this information inappropriately.
I was inquiring about a loan modification. I called the bank and was told that wasn't a option. I then started the short sale process but seem to get the run around with the company that was servicing the mortgage for XXXX XXXX XXXX. So the house went into foreclosure and the bank never served me court papers for said court date. I only was made aware of this process while doing a court search myself. I was going through the paperwork filed to the courts and realized that XXXX XXXX XXXX filed fraudulent paperwork to obtain this foreclosure in the first place. I filed a motion to ask the court to look at this matter but they couldn't do anything to help. 

I have attached a copy of the filing that I submitted and page 6 through 10 are the paperwork that XXXX XXXX XXXX submitted to obtain the foreclosure in the first place. If you look that the motion you can see where they cut and pasted parts of the contract to help them obtain the foreclosure. The contract on page 8 ends with paragraph 11 and then on page 9 it starts with paragraph 18. They cut out 12 through 17 in the  contract.
Filed a complaint on this company in XX/XX/XXXX. This company sent me a letter saying i owed XXXX on a past due medical. This company claimed my date of service was XX/XX/XXXX. So I looked on my XXXX calendar and found out I wasn't even in town. i was in Maryland handling my divorce. I called the hospital and asked when did I receive their services and the HIM department said XX/XX/XXXX. Which I already knew because that's the day I went into early labor. I also called the company to let them know they have the wrong dates.
I finance a TV with Conn 's Appliance in XXXX XXXX Tx. When I examined the Tv in store it was working properly. Store employees loaded in my Vehicle after inspection. When I got the TV home TV screen was cracked. I tried to return TV to store for exchange or repair the next day and store refused to exchange or repair.
i refinanced my home on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( TransUnion, XXXX, and XXXX. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to FCB. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( TransUnion, XXXX, and XXXX ) I also asked XXXX to correct errors and they failed to do so.
Bank : Citibank Customer Name : XXXX XXXX XXXX XXXX Checking Account Number : XXXX Savings Account Number : XXXX Complaint : Violation of Promotion XXXX Summary : Citibank violated its terms and conditions of Promotion XXXX. Citibank promoted a {$400.00} cash bonus offer for new bank customers who open a checking and savings account with a minimum deposit of {$15000.00} and maintain a minimum balance of {$15000.00} for 60 consecutive calendar days. 

I opened the designated accounts and deposited {$15000.00} funds on XX/XX/2018. I met all the requirements for the {$400.00} cash bonus offer. After about 3 months, Citibank had not deposited the {$400.00} cash bonus to my account. On XX/XX/XXXX, I called Citibank to inquire about the cash bonus and was reassured by bank representative that the bonus would be deposited soon. I asked about closing my savings accounts and was told closing my savings account would not jeopardize the cash bonus offer. I proceeded to close my savings account. 

After waiting longer, I inquired with a Citibank branch about the cash offer. I received a letter date XX/XX/2018 that states I did not qualify for the cash bonus offer because I closed the savings account. 

I feel Citibanks action is deceptive. My accounts and deposit met the conditions of the promotion in the published time frame. I followed the guidance of the Citibank representative to close my savings account. 

Desired Resolution : Citibank honor its promotion and deposit {$400.00} to my account.
XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Remove consumer statement Both my XXXX cards have a consumer statement attached which are incorrect I am in the process of closing a large home loan near {$300000.00} The only hitch is both my XXXX accounts are reporting as being in dispute. I called XXXX explained the urgency, informed them the account was not in dispute, as I currently use the accounts and make my monthly payments timely. The agent informed me to fax a letter requesting to remove the dispute immediately, but also stated this could take 30 days. I do not have 30 days. The consumer statement is not accurate I am asking for that statement to be removed immediately. 
I have attached : 1 ) the letter I faxed to XXXX 2 ) Page of my credit report showing the 2 XXXX credit cards with Consumer Statements
Yes its been over 80 days and XXXX XXXX who is the actual owner of XXXX credit card can not get a resolution and I ended up making four payments and to this day only XXXX a manager at XXXX call center located XXXX XXXX agent id XXXX XXXX XXXX Colorado they owe me over XXXX plus internet in over payments
I originally got a 30 year loan from XXXX XXXX XXXX on my home in XX/XX/XXXX. I refinanced several times, always through the same bank. When XXXX XXXX was bought out, they sold the loan to Citigroup mortgage. The last time I had refinanced was in XX/XX/XXXX. That loan as well as all the previous loans had a provision stating there was no penalty for prepayment and that any funds paid in addition to the monthly payment would be applied to the principal. Citigroup told me they sold the loan in XXXX XXXX. In an attempt to get more information about who they sold it to ( since the new lender has never sent me a bill or any information about who they were or where to send my payments ) I downloaded information from citigroup regarding my payment history. Citigroup has not used any excess funds to pay the principle. I did not agree to that change in the contract. That was a unilateral change by Citigroup after they were assigned the contract. If citigroup did it to me, I 'm sure they have done it to others. I am positive that my excess payments were to be applied to the principal because that was something I always made certain of with the bank and would check the contract. I never signed anything with citigroup. I had no choice in the assignment. Actually, I do not know if the loan was assigned to citigroup or if they were just servicing the loan, but either way their unilateral change in the contract seems to me to be a breach. And they did it without any notification or opportunity to change or refinance, etc. They appear to just hold the extra funds in some account that does n't credit my account or pay me any interest. They just keep the funds.
Hi, I am on my   XXXX   loan from Big Picture Loans and I looked at the amount of the payback and I am dumbfounded. I did not realize how much it would be. I know that trying to stop the money from coming from account will not help and I would like the offer paying the loan back without the extremely high interest rate. I only borrowed  XXXX  and they will collect  over 3400 afte r this loan is paid off and that is alarming to me. I can not believe this is happening. This is predatory to hardworking people that are struggling to make ends meet.
Me and my boyfriend moved into XXXX XXXX XXXX on good standings.We paid our rent every month and never gave our neighbors any problems. My boyfriend is in a XXXX and we explained that to them. Everything was ok in the beginning until things started going bad with my neighbors upstairs apartment. The people upstairs had a bad leak that took them days until they decided to come fix it, they did n't treat the problem properly just covered it with paint and the problem kept coming back. We asked time and time again we put in work order after work order for them to fix the problem but they just brushed it off. Well due to their brushing the problem off, the walls accumulated mold which caused my boyfriend to catch a XXXX XXXX that put him in the hospital for many months at XXXX XXXX. We were not the only people that had mold and the apartments knew that. We stayed in our lease and told the leasing office about our situation and they still did not want to fix the problem or work with us. We did n't leave because we just wanted to, we left because it was a XXXX emergency We had proper documents from the Hospital and Doctor appointments. Not only that allot of crime was going on inside of the apartment complex and the leasing office felt like it was ok not to inform the residents on what was going on, my neighbors right next door and upstairs apartment got broken into and a lady three doors down got XXXX  and when I asked the leasing office what they were doing about it as far as safety, they told me it was none of my business and they did n't feel like it was a concern. Not knowing that I knew already that the man who did it stayed there and still had a gate card and a key due to another neighbor telling me what was going on. They had people running through the bushes running from the cops and one of the guys ran into my apartment as I was going in with my niece, when I told the leasing office about it all the lady said was " Awww I 'm sorry to hear that '' .The gate was never working and security was just letting  anybody in. I 'm a female and my husband is in a XXXX it just was n't safe for us. Even though we was right down the street from the jail the police still take their time to get there.
XXXX XXXX,2017 Syncb/Walmart and Syncb on XXXX 2017 this bank pulled my credit without me authorizing them to do so.
I am being charged factitious interest that do not correspond to what it's supposed to be. I reached out to them multiple times to try to solve the issue, but they don't seem to be willing to provide any satisfactory issue to this matter. I am therefore requesting and in-depth review of all payments and interest charges that have been imposed to my account. I hope this would help not only with my case, but as well as other folks in the same situation. 
Thank you very much.
On XX/XX/2018, my credit score with Transunion and XXXX was XXXX, I am not sure what XXXX  was, but it was running close. During that time period, XXXX XXXX offered me a credit card for a $ XXXX limit and I thought that would be a good card to have and I was approved. Shortly after I started getting calls for a mortgage loan which I was planning to do anyway because I have been working on buying a home for the past year. 

Maybe I misunderstood, but I was under the impression while looking for a mortgage loan it wouldn't affect my score. I guess I was wrong because my score is now down to XXXX and only went down after 3 attempts of talking to loan companies and giving them the right to check my credit. I have good credit and I have worked very hard getting it but it seems like all three credit bureaus refuse to allow me to keep it. There are inquiries I don't recognize as well and all are considered hard inquiries. I lost 42 points for inquiries? Why? When I am trying to make my life easier and better, it makes no sense at all and I am very upset with this dictatorship of my personal life.
An unauthorized hard inquiry appears on my credit report with Equifax. I do not have now or have I ever had a XXXX account.
My student loans were forgiven under TEPSLF program. I was never late and never delinquent. My original balance was {$34000.00} in 2004 and around $ 16K was the amount forgiven. I recently noticed my FICO score had dropped 100 points! 

Transunion was reporting that I had a $ XXXX balance within the past year, that I was over 90 days delinquent, and that the loans were written off as a bad debt. All of this is wrong and I disputed it. They corrected the bad debt part, which so far has changed nothing about my credit score. 

Transunion still lists me as 90 days delinquent. They also show the $ XXXX as a recent high balance. XXXX, the student loan servicer, does not show these errors. 

XXXX  dinged my FICO score with similar errors to Transunion. However, they have corrected my credit report and are no longer reporting a false delinquency. 

I have now spent hours online, on hold, on the phone trying merely to introduce written proof that this is information is erroneous. The phone person refers me to the web page, the web page tells me I have to use the mail. It's all set up to make a dispute impossible.
I have an account with XXXX  XXXX ( XXXX ) which I pay for services monthly. I tried twice to report my new address but it is saying technical difficulties. I did report change of address to all three credit companies. My report is showing my old address as a current and past address.
I have XXXX personal loans with USAA Federal Savings Bank. XXXX of my loans I have had since XX/XX/XXXX. I have never missed a payment or have been late with a payment. On XX/XX/XXXX, USAA charged off my loan without any warning to me and for no specific reason. When I called USAA to discuss error they told me they 're able to charge off any loan they want at anytime. I did n't sign any contract for these terms. This has greatly effected my credit and USAA has even taken away certain features of their website from me because they claim I have an account unpaid through them. I have disputed this through XXXX and all they did was update status to say " never late '', but it still shows account charged off.
XXXX XXXX did not take my payment as they claimed they would. When I called them XXXX immediately ) they told me they had a computer " glitch ''. By the time they eventually took the payment they had reported me to the credit bureaus as late. They refunded me the late charges etc, further proving that the error was theirs but in spite of my calling them they have not corrected my credit report. 
Thank you, XXXX
This company is on my credit report for an unpaid amount over {$1000.00}. This was previously disputed with the credit bureau and the original company. Several times over the last couple of years I asked for validation of this account and was unable to be provided this information. I do not have a contract with IC SYSTEMS  INC  or the other company and by SC State law (  SCCLA 15-3-530 ) the statue  of limitation for debt collection is   XXXX    years from the  XXXX  date of delinquency. The first date according to IC  Systems  is   XXXX   I did not have services with company. This company is in violation of my state law. Please remove from my credit report.
The company calls me asking for the name of a person that has never lived in my home. I tell them no such person lives here and they say they will takethe name off the list.The calls stop for a few months and resume again. This has been going on for over 2 years. Now the company is sending mail under this persons name to my address and calling me everyday.No matter what I say, the calls continue
I disputed two California tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.
I 've spoken with Security Finance asking for more time, I had asked for an extention due to the loss of my job explained very clearly numerous times that I was waiting for a decision from unemployment and then XXXX when unemployment was denied. I 've attempted to pay with an alternative form of payment other than cash/check, I attempted to pay it off with my credit card and was refused. Now despite talking to me and staying in contact their calling family, and friends with personal information leaving information on others voicemails. They continue to harass, attempt to embarrass, and call after their open hours ( leaving messages not addressing who or why their calling ) despite speaking with me about my situation.
I have a rushcard. I transferred {$630.00} from one rushcard to the other. It was a card to card transfer. Both cards are under my account. The transaction shows " complete '' on ny end but " failed '' on their end. Neither of the balances on the card reflect the {$630.00}. Therefore, I am not able to use any of th money. They told me they have to put it in manually and it wo n't be available to use for 1 to 2 business days.
PayPal do not disclose fees that are charged on recipient side of the transaction. {$350.00} XXXX were charged for transferring funds. 
I was outraged when I found out about the rip-off. Immediately submitted request to cancel the transaction, but the response was it takes 90 day for review. Another rip-off ... so the consumer forgets about it in 90 days. Dispute Case ID XXXX opened on PayPal support website.
I do NOT have a signed contract nor any contract with American Express. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. They sent a letter stating that I paid this bill with my XXXX account and lucky for me I never had a XXXX account. So like I have been stating I do not have an account with you. Also you stated that I had two accounts and decided that one of them was fraud when they both are. After contacting XXXX because American Express refuse to do any leg work to find out the truth. XXXX stated they never has an account in my name under my social security number. They did state an account was open with my social under a different name that they could not disclose to me because it was not my name. PLEASE QUIT DESTROYING MY CREDIT WITH FALSE ACCUSATIONS. Also they can get my credit report from the same people that they are reporting the negative info to. All three credit bureaus have a copy.