WillisBack/dataset-financial-user-claim huggingface dataset:
I have had nothing but problems with Bank of the West. The worst part about it is that there are issues going on some where in the system and they could n't tell me what caused them. I made a name change and added a beneficiary to my account in XXXX. Between my husband and I we have XXXX accounts with them and a year later, in XXXX, we received 16 notices in the mail of name or address changes made to our accounts. We did n't do any changes. After months of research they could n't tell us what happened, It must have been a glitch they said. Another year and a half later I received 15 more cards with the same issue - called the number on the card to address it and they could n't help me, even though that was the number it stated to call if the information was incorrect, had no clue what the issue was, they said they forwarded my concern and my branch would call. That was on a Saturday, by Wednesday I still received no call from my branch.... so I called them. They looked into it and said yes they showed XXXX cards going out for a change on my address - here is the clincher : they only did it for XXXX of my XXXX accounts, AND THEY PUT PERSONAL AND PRIVATE INFORMATION IN THE ADDRESS LINES TO MY HOME!!!!!! The cards were n't in sealed envelopes but printed cards. Then while dealing with this while traveling, I used my debit card the first day and after that they denied my card for fraud hold, called the bank, I should have been called they said - called the fraud department, verified my number and they admitted no attempt was made to contact me, yet my husband was free to use his cards. This bank has no clue what one hand is doing from the other never mind the fact they are in total violation I feel of my privacy rights. Why do they not have control over what is going on in the system, who is touching what accounts and when??
I was originally placed into a private consolidation loan that began with a low interest only payment of {$390.00}. That payment increased to {$1500.00} on XX/XX/XXXX. I have struggled to make that payment. I called on XX/XX/XXXX to ask how I could lower my payment. The first agent I spoke with told me that I had the option of extending my payments and lowering them to approximately {$500.00} or that I could have forbearance for up to one year. I explained that I did not want forbearance as I did want to pay my loan, just at a more manageable payment. He told me that he understood and just need to check on the new terms. At that point he put me on hold. A different agent then picked up the call, told me that she had no record of the immediately previous conversation, and told me that there were no options at all with the loan I had and I just had to continue making the large payment. I told her that I was confused since the previous agent told me I could modify my payment. She then connected me to a supervisor. The supervisor told me that I could do forbearance but that I could not modify the payment. I explained that I didn't want forbearance since that would just add to my loan balance. Three different agents, three different stories. I am very upset since I want to pay but they will not assist me in modifying the amount. When speaking to the first agent I told him that I could afford up to {$600.00} per month. I am writing to request your assistance in getting the terms of my loan modified. 

On a separate note, I entered into the educational program with XXXX at the request of my previous employer. XXXX has made it nearly impossible for me to complete that degree. They want an additional {$10000.00} in tuition and fees above those which were quoted to me at the time of enrollment. They have also refused to modify my program and apply my credits to a less costly program. So I feel that I have been misled and hoodwinked by both XXXX who has received tens of thousands of dollars from me and not provided me with a degree or assistance to complete a degree, and by Navient who placed me in an expensive consolidation program that, apparently, can not be modified in any way. 

Thank you for your assistance.
2 hour wait time with experian or more on all their lines and I still can not get through. They are charging me and not letting me cancel!
In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX  XXXX. I had a total of XXXX missed payments ( XXXX missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, XXXX and Experian on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from Experian called me. We then called XXXX XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from XXXX  on this matter.
Customer Service Collection : AFNI INC for XXXX I order this phone then decide i did not want phone so I sent it back ... .. First there said did not receive phone back ... .. that the charge ... .But then later on because kept bother me ... .They said the phone was turn on ... .so the charge was for early termination of contract???? But I return phone not open so how could the phone been activated????
I have over XXXX credit inquiries on my credit file from companies trying to run my credit without my consent and i would like all of them removed as its hurting my chances for getting a mortgage and other credit products. I would like all of these removed immediately.
On XX/XX/2018 i have settled two account s with XXXX XXXX a collection company for XXXX   XXXX XXXX. Both accounts were settled in full. I have provided copies to the credit reporting companies and XXXX XXXX XXXX and today i called XXXX  and spoke to XXXX ID XXXX and she advised me that she could not do anything for me because that department did not have a direct number and that she could not advice me that if they had received the settled paid documents that I mailed to them because the only way it would be to restart another dispute. I have contacted Equifax today and the advised me that conns has responded to my dispute and they claim that the account is still open. I told her that i have provided copies of the paid out letters and she claimed that they could not use them that was was important was what the creditor responded. I have done all they ask me to do and they can verify the account with their collection company,
I have a " hard '' credit inquiry listed on my credit bureau credit reports that is too old and needs to be deleted. 

It is fromXX/XX/2016 and the name of the company is Chase Bank. 

This credit card inquiry is hurting my credit score and should be removed.
I never went in and signed any paperwork to start this account. Everything was done online. Once I realized that they had opened the account I ask them to close the account because my job did not offer direct deposit and they never did close it so the fees for not having direct deposit added up and now they are saying its my fault. I ask them to close it.
Hi, I opened a case #  XXXX , again st National Enterprise System, I tri ed to login to respond to their answer, which there was signal problem because I was n't able, finally today I 'm able to login to my account and noticed that the case is closed. I do n't agree with that reason why I want to open the case again until my situation is resolved. Answering wh at National Enterprise System s end : Like I said when I opened the case, my student loan is and have been  XXXX , no t National Enterprise   System, National Enterprise System ca lled me saying that  XXXX  had passed the student loan to them, when it never was like that, because I called  XXXX  and they are the ones who said that I had to open a case, becau se third party c ompany, call, says things that are not true and gets the money they want . National Enterprise System n eeds to be stopped and a long time ago. They said that I agree to the {$5.00} term, but was n't honest with everything, they called me first and in a really bad rude way, saying what I just said above of  XXXX , they lied in all aspect of the word, if it 's true what they always say that the conversation is recorded tell them to give you all the calls they did to me and hear that, one thing is for you to agree to something, because its good and you know, and another thing is to be forced to agreed. Because they way they called me, talked to me, and said : if you do n't agree on the terms, we will start taking money from your, paystubs, and what we want, not what you can, believe there 's no option, because life is n't easy for just let people take your money like it 's not hard to earn it. I 'm paying my student loan to my loan, which is  XXXX , my federal loan, National Enterprise do n't need to be touching my bank account, my taxes or paystubs, because I do n't have  XXXX  or  XXXX  loans, it 's only  XXXX  which I 'm paying already and been paying. Tomorrow, Thursda y I  am going to send not only to you,  to National Enterprise System, b ut to  XXXX , Credit bureau, The Department of Treasury, The Department of Education and every company or person that has touch my money, so not only you can see what 's really going on, what this third company are doing, but so you can see the money that has been taken from me and it was not even deposit to my loan. Now the question is, Where 's the money if it was not used with my loan, if fedloan does n't have it, who can respond to that? Yesterday, I received a letter of another third party company, trying to do the same  National Enterprise System d id to me and still is doing, now the third company that want 's my money is, "  XXXX  '', asking for the same amount, really? This Third company needs to be stopped and I mean all third Party company. I am not going to stop until my case is really resolved in all aspect of the word, because a lot of money has been taken not only from my bank account, my partner bank account, my taxes, but from my paystubs, and it has been more than {$2000.00}. like I said tomorrow I will send a letter all evidence of what I have.  Agree and forced are two d ifferent things. Thank you  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX   XXXX
When someone goes to Wells Fargo bank with a check I wrote to them that is draw on Wells Fargo they want to charge XXXX to XXXX dollars to cash the cause they do n't have an account with them. That is nothing but a ripoff plain and simple, they are just stealing these people 's money. I would hate to think what could happen when I have had it with these type of banks. It 's time the government does something about it before I do.
Lobel financial called me the employer several times requesting sensitive business information and kept threatening me that they were not going to give my employee the loan because of me. They asked for my banking information. They are just supposed to verify employment. Very unprofessional.
there is a problum to the point i cant even get my information I think someone stole my credit information do to i live with a friend. We rent the house monthly pay utility 's, and I do not own a home, do not have any bank accounts, I have know credit cards with any stores or any credit card except a single debit card I get threw social security XXXX.
Foreclosure Proceedings have been set for XXXX XXXX, XXXX and I am trying to prevent this Foreclosure as the bank has not followed through with what we have agreed that I will obtain new Financing to remove them from the note and they will not work with me. Please contact me with what ever you need from me for documentation as I have a substantial amount of information/documentation and can provide whatever you need. I had filed for bankruptcy protection in XXXX of XXXX as the Bank of the West filed for foreclosure at that time. XXXX/my attorney at the time agreed that we should have the case dismissed and this would allow the new bank I currently am working on refinancing ( XXXX XXXX XXXX XXXX XXXX ) ( new Bank ) to remove them from the SBA guaranteed loan. I/we have followed the protocol as outlined by the bankruptcy judge and have continued to make the monthly payments of {$2600.00} of which they mailed XXXX XXXX, XXXX payment back to me stating that they have already filed for foreclosure of XXXX XXXX, XXXX. AgainI have made payments as outlined in the bankruptcy proceedings and have made them prior to the due date. Besides what is listed above XXXX has further requested the following:1. ) XXXX has asked them for all of the Financial back up including what they claim to be in arrearage. 
2. ) XXXX has asked to set up payment arrangements once we have received the financial information ( again to no avail ) 3.why would they contact my Investment property owned by me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX ) which has a Tenant living there. The tenant whom received a notice to vacate the property prior to the foreclosure sale of XXXX XXXX, XXXX has XXXX young children and is a single mom now has severe XXXX over this. This property deeded to XXXX XXXX XXXX has a lease agreement with the tenant whom was unaware of all of this. 
4. ) XXXX/I have asked for a full accounting detail break down of the account since it inception to assure that funds have been properly applied. 
5. ) What XXXX has received is very vague and I am not sure how a loan that shows a principle balance of XXXX XXXX round figures ) and a maturity date of XXXX XXXX could now be stated ( according to what vague we got XXXX {$31000.00} how can the loan go up from XXXX to XXXX???? 
6. ) Does this stop stop the foreclosure process until this matter can get resolved and or the financing can get put in place and remove them? 
I do intend on filing with the Consumer Finance Protection BureauRespectfullyXXXX XXXX XXXX
XXXX XXXX, received a loan modification from Ocwen Loan Servicing, we were behind in our payments, by XXXX of XXXX the modification expired, and I was to obtain a loan., I applied to XXXX , HUD , Keep Your Home California and several private lending agencies. Ocwen gave us a loan for 6.25 %., this is outrageous., I paid them on time for 6 years, I was never late, and my FICA score was XXXX. The investor is XXXX. The Department of Justice instructed the banks to work with the homeowners for low interest loans., We applied for another modification about XXXX times, and OCWEN refuse us every time. 
This started in XXXX when our home taxes were behind, and Ocwen stated they would impound the taxes., well they did until they were brought current., unaware that they stopped paying the taxes, they got behind., we then took a {$40000.00} second on the property from XXXX ( XXXX XXXX XXXX ) , predator loan, to pay back taxes. Fast forward to XXXX XXXX, the XXXX is due ( {$40000.00} ), they refused to give us time to pay, unable to pay the full amount ( XXXX ) XXXX filed for " Foreclosure. '' My husband and I faced with option of losing our home filed for Chapter XXXX Bankruptcy. 
I know you do n't want to hear customers private lives, but XXXX in XXXX XXXX, I had XXXX in XXXX/XXXX/XXXX, we are both XXXX., we are both on Social Security, and choking trying to make the payments. I still try to work and my childrenhelp us financially, when they can.
My loan with Carrington Mortgage Services was originated on XX/XX/XXXX - until the month of XX/XX/XXXX, I have always made my payment online with XXXX surcharges added to my monthly payment. As of XX/XX/XXXX - Carrington Mortgage is now requiring an additional {$5.00} convenience charge in order to pay my mortgage online. Additionally, if I were to make my payment over the phone I would be charged over {$20.00} to make the payment. I do not have checks to make this payment via mail, and I should not have to incur the cost of postage for a task that was previously free, and one that I did not previously agree to.
XXXX 

I was in a corporation that utilized this company, where XXXX individual credit cards were issued. XXXX to myself, and the other XXXX were issued to corporate owners. XXXX of the previous owners decided to decline any use of their issued card. Myself, and the other remaining cardholder were the only users of the XXXX. This account was a business account, not a personal account, and should not be on my personal credit report. Proper responsibility was taken on my behalf, and the issued account in my name was paid in full. 

However, information regarding the remaining associate 's account ( with their contact information ) was sent to XXXX and also the credit bureaus, to no avail. XXXX XXXX fell to bankrupcy, and failed to respond. The status of the credit card is listed as unknown. This was a business account and this damaging information has reflected within my personal credit report over the past eight years. I want the adverse information removed, as my issued corporate credit card was paid off. Therefore, I could use help to aleiviate these nocuous statements within my credit reports.
US  Bank did a loan modification for which I received their agreement and signed in  XX/XX/XXXX . I have not missed ANY payments since that modification. I am now being told my loan is in default for payments not received from BEFORE the modification agreement began. They are also now refusing to accept any more payments from me, unless I pay back from 7 months PRIOR to the modification agreement.  <P/> Required Trial payments, which were a prerequisite of the modification were done  XX/XX/XXXX  XXXX  XX/XX/XXXX . It appears  US Bank  then typed their paperwork effective  XX/XX/XXXX , with payments being due  XX/XX/XXXX . However, the original modification was not received until  XX/XX/XXXX . It has numerous errors of which we filed a dispute. Some of the errors were corrected & the newly Corrected Modification packet was not received by me until  XX/XX/XXXX .  <P/> The modification agreement was not received by me until  XX/XX/XXXX . This can be verified by page  1  of the modification wherein it states  ( Executed  on this day :  XX/XX/XXXX  ).  Page 1 of t he modification agreement also states " Cash amount required '' "  1st  Modification Payment of {$810.00} '' is due within 14 days of receipt of the modification. This further validates that payments were expected to begin in  XX/XX/XXXX  & not  XX/XX/XXXX .  <P/> Why am I being held responsible for payments PRIOR to the modification agreement? Especially since the modification states that payment amounts and due dates would be modified after I sign and return a copy of the agreement to  US B ank. To require a person to began a modification in default defies the purpose of a modification and has to be illegal. When you accepted my initial payment with the modification in  XX/XX/XXXX , I would have already been 8 months behind if your XX/XX/XXXX  due date was correctly written. You also did n't notify me of this  XX/XX/XXXX  date until  XX/XX/XXXX   <P/> I spoke with  US B ank employee  XXXX   XXXX  on  XX/XX/XXXX  at @  XXXX  CT, who confirmed this mistake and said the modification payment  1st d ue date should NOT have been for  XX/XX/XXXX  as you all did not execute the agreement until  XX/XX/XXXX . He asked me to email him &  XXXX   XXXX  and they would initiate an Appeal. However to date despite my numerous attempts to reach them and multiple other  US  Bank employees, NO ONE WILL RESPOND!! I have spent hours on the phone trying to get this resolved to no avail.  <P/> I am  XXXX   years old wi th a  XXXX   XXXX . I can not continue to handle this undue stress and the thought of losing my home that  US B ank is imposing on me as an il l Senior Citizen.  It appears  US B ank is looking for a reason to take my home and leave me homeless for their benefit, even though I have made all my payments since the modification. How many poo r Senior C itizens have lost their homes because they do n't have the strength to keep fighting wit  h US Bank and US Bank wins in the end?!?
<P/>  Thanking you all in advance for your prompt attention to this matter.
I purchased two items at the XXXX XXXX XXXX store in XXXX XXXX on XX/XX/XXXX. One of the two items was returned within 30 days. The other, I kept. The kept item originally cost {$29.00}, but because I opened a credit card that day, was discounted by 15 % so that I ended up paying {$27.00}. Both items were charged to the new credit card. After returning the more costly of the two items, however, I decided to cancel the credit card. Unfortunately, I never received a bill for the charges, because the bill was sent to an old address ( in Missouri ) where I am not currently living -- due, as far as i can determine, to an error made by the store clerk who processed my application for the account. Long story short ... Because I never received a statement, had closed the account and returned the main item purchased on it, it completely slipped my mind that there remained a small outstanding charge ... until I received a call from Comenity bank ( who owns the XXXX XXXX credit card ) on XX/XX/XXXX, saying that I had a past due balance of {$92.00}. I was quite confused because I could n't recall anything I had purchased for that amount or anywhere near that amount. After some discussion, it became clear what had happened, and I paid them on the spot the {$27.00} I legitimately owed them. Now at dispute is a balance of {$100.00} they say I owe them in late charges, interest & misc fees. However, the statement ( attached ) indicates that I have been charged {$130.00} in interest, late fees and charges since the account was opened on XX/XX/XXXX. This is 476 % more than the cost of the single item I purchased, and these charges were levied over a 4 month period betweenXX/XX/XXXX and XX/XX/XXXX, the date of the bill I just received. That translates into a 1429 % effective annual rate. This seems patently absurd, and surely there must be some law against such outrageous charges. when I spoke with Comenity on the phone, I asked them to waive the late charges and fees and they declined to do so. I asked to speak to a supervisor. Although he/she did not come to the phone, a message was relayed to me saying that because i had closed the account, they could not or would not reverse any of the charges or fees. Please note that the attached statement is the ONLY statement that I ever received from Comenity, and it was received because I gave them my current address over the phone on XX/XX/XXXX at the time I paid them the {$27.00} that I legitimately owed them.
I have a chapter XXXX BK Discharge on all 3 Credit Reports and i called to asked them how did they verify the Bankruptcy. I send Certified letter on XX/XX/2018 to all 3 Credit Bureaus and XXXX as well. They all are telling me that they sent a 3rd party person down to the court to verify the Bankruptcy in person with my full social security number. In which that's not true because i have a letter from the Clerk of the United States Bankruptcy Court stating that they don't provide that information to the credit bureaus or any third party report agencies. And i received that letter on XX/XX/2018 from the Bankruptcy Court.  So the credit bureaus and XXXX verification method on how they verified the Bankruptcy is invalid.
Craccept/cac XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I never authorized any of these