WillisBack/dataset-financial-user-claim huggingface dataset:
RE : Predatory Lending Practices XXXX Loan ( XXXX XXXX Dear Consumer Protection Agency, I purchased my first home in 2007 in XXXX Virginia. As I am now speculating that I may have been a victim of predatory lending practices being approved at a high interest of 6.37500 % for 30 years. 
For the last two years or more, several unsuccessful attempts at a mortgage loan modification have been attempted. The last attempt at a mortgage loan modification has been especially painful with Quicken Loans for the last four months to be told that I have to wait until XXXX. All of the necessary documents were sent to them Quicken. All of the necessary documents were reviewed. They requested that I open a new credit card line, charge on it, and pay ... ..and I did. 
Through all of this, I have also been told that I should have been in direct contact with my loan servicer, XXXX owns my house. 
I can not say how tired of the run around I am getting now as a possible victim of predatory lending practices. I am writing a little desperate for help and guidance as the suspected outcome of all of this should be a loan modification with a lowered interest rate that might in turn drop my monthly mortgage on my house.
On XX/XX/XXXX, I called Wells Fargo to get the overage I have paid on a monthly basis ( since XX/XX/XXXX ) to be applied directly to my principal loan amount. I need to get my principal amount trued up as I was trading in my vehicle. The representative told me they would be applying approximately {$700.00} to principal amount and it would take 48 hours to hit. I asked for a revised principal amount and the representative gave me approximately {$10000.00}. 48 hours after, I looked at my account and they messed up my last two payments which then made my balance approximately {$11000.00}.  Approximately {$600.00} more than what they told me it would be changed to. I bought the new car using the number what was provided to me my the representative ( ~ {$10000.00} ). Now I owe the dealership ~ {$700.00} ( including interest on pay off ) because of Wells Fargo 's inaccurate number. I made a huge life decision based on bad information provided to me directly by the bank.
There appears to be a collection account from XXXX XXXX XXXX with the original Creditor being XXXX XXXX XXXX in the amount of XXXX. I have no knowledge whatsoever on this collection account, and was never seen by any physician of XXXX XXXX XXXX. When asked to be provided with proof that this debt belongs to me, I was sent a list of services provided, none of which was performed on me. Also, I do not have any kind of contract with XXXX XXXX XXXX, allowing them to collect such debt. I need this collection account removed from all 3 credit reporting agencies immediately!
they will not issue rewards balance towards payment on bill. every time I call with complaint about this problem customer service keeps saying give one month or next billing cycle to take effect
I got 3 letters from XXXX XXXX XXXX XXXX on XX/XX/XXXX for Charges that were through XXXX XXXX and XXXX XXXX Payments that happened in XXXX. i double checked my records and bank transactions and the listed charges ( XXXX, XXXX, and XXXX ) are non existent. When i contacted them, they claimed the purchases were made on a account from XXXX XXXX XXXX under my name. Contacted XXXX XXXX to be told there is no account under my name at all. While contacting XXXX they asked me for my State ID number which i refused to give them. I want to these scam charges cleared before it affects my credit
Was told by XXXX nothing they would do as it was to old. Never went to any XXXX in XXXX XXXX Fl. When I went to one in XXXX XXXX I gave them both my XXXX card as well as my additional XXXX medical insurance. They accepted both and this covered all expenses. According to my insurance company if they accept insurance they must accept payment that is customary and not bill for difference
I was approved for a Capital One Quicksilver Rewards Card. The cards came in the mail so Icalled to activate it. The lady on the other end said I had a bad connection but continued our conversation. I was on a landline so a bad connection was not likely as I use this phone daily and I could hear her perfectly. She asked could she call me back at another number. So I gave her my cell and she called back in about 20 seconds. Into the conversation and after several questons that she could not pronounce well enough for me to understand she tells me that she ca n't activate my cards because she is not talking to me on the number listed on my account, but she is the one that called me. She tells me I have to send in documentation to prove who I was. I called back on Monday morning and talked to a supervisor and she told me the same thing about sending in documentation. I had the supervisor close the account. I understand their fraud protection guidlines, but they went above and beyond to treat me like a criminal. The strange thing is she trusted me enough from the information I gave her to close the account but, not activate it. I do n't appreciate it and would like for others to be wary of Capitol One.
XXXX XXXX NEW YORK XXXXXX/XX/XXXX, 2014Open $ XXXXAccount DetailsLast ReportedXX/XX/XXXX XXXX 2014Collection AgencyXXXX XXXX XXXXOriginal CreditorXXXX XXXX NEW YORK XXXXStatusOpenOpened DateXX/XX/XXXX XXXX, 2014Closed Date -- ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarksPlaced for collectioni dont owe this amount i signed up with lifelife and then was offered special rate for long distance because long distance was the next town over local service was only town i was in, and when i signed up then tried to say i wasnt eligible for savings rate and charged my account with ridiculous amount and then disconnect my service and then charged me disconnect fee i am disputing total amount due
XXXX   XXXX   XXXX   sold our HELOC to  Caliber Home  Loans and immediately they applied payments not to our monthly payment and came up with extra fees that needed to be paid. As payments were made, they were applied not to the monthly amount due and thus showed that payments were missed and then said we were in default. This immediately followed with foreclosure. Each time I tried to work it out with them they gave us an amount owed and when we tried to pay that amount, the amount had gone up. This occurred three times. They have over charged interest. The balance is {$50000.00} the interest rate is 4.24 % they claim we owe over {$5000.00} which if you do the math and they have not had the mortgage for one year, it does not add up.
I disputed the following accounts with Experian on XX/XX/XXXX, requesting that they reinvestigate the accounts. They said that they verified and updated the accounts during their reinvestigation, which was concluded onXX/XX/XXXX Report # XXXX, but they didnt actually verify, and they are continuing to report the accounts on my credit report, which is a violation of the FDCPA and the FCRA. They also failed to update status date which means they never conducted a reinvestigation as required by the FCRA 611. Its been over 2 years since any of these account have been investigated or reinvestigated.

1. XXXX # XXXX : No status update sinceXX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 2. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 3. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 4. XXXX # XXXX : No status update sinceXX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 5. XXXX XXXX # XXXX : No status update since XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 6. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT Failure to conduct a reinvestigation is a violation of Fair Credit Reporting Act ( FCRA ) I want the above-mentioned accounts deleted immediately.
Our mortgage company had paid our property taxes in full on XX/XX/XXXX for the XXXX tax year with money from our escrow. In XX/XX/XXXX they pulled out a second payment for what would have been the second half payment if we were paying in two installments. The county received the overpayment on XX/XX/XXXX and promptly returned it to the broker the mortgage company hires to send out payments. This money has never been returned to our account and it is 5 months later. They have raised the escrow amount on our payment every month by {$600.00} trying to compensate for this missing money.
I applied for a Zales credit card, financed through XXXX, which gave me 0 % interest for 18 months, then 28.99 % there after. I set up automatic payments to pay off the balance before the end of the promotional offer. Comenity Bank then bought out my line of credit with XXXX without my knowledge, and the automatic payments stopped, making that payment late. Since I was inadvertently pushed past the promotional period, Comenity Bank is trying to charge an even higher interest rate not to the current balance of {$790.00}, but they 're trying to charge the interest rate to the balance that was over 20 months ago, which was almost {$5000.00}. The interest rate that they 're trying to charge is almost double that of the actual balance, {$1300.00}. I contacted Comenity Bank and offered to pay off they entire balance if they corrected the interest rate and charge it to the correct balance ; they declined.
My husband was given the advice to submit paperwork via EMAIL to  XXXX  XXXX  XXXX . He was asked to include his   XXXX   tax returns which includes my social security number, My  XXXX  children 's ' social security numbers and his social security number. In the title he was to provide his social security number and his full legal name. IE  XXXX   XXXX   XXXX .  ( not real number s or names ) In addition to the application that was required to submit the income based repayment plan.     I called the customer service team and verified that this was standard language that people "  XXXX  '' submit these with this information. And that using an UNSECURE method such as email is an acceptable form. They then proceeded to tell me that if I do n't feel comfortable I can submit via fax or online. Both of which are much more secure My complaint is that the advice NelNet servicing is giving to email with all of this sensitive information is setting their lendee 's into a possible risk for sniffing and having their information stolen.     This is a pseudo government entity to service loans. I do not believe they are giving their customers proper advice to keep their identity or their families secure from would be thieves.      Regards, Concerned NelNet  Customer
A collection service leaves a message with a phone number everyday on my recorder for a debt incurred by someone else not in my household. I call the number and leave messages that I am not the individual they are trying to contact and that no one lives there by that name. I ask for a call back. Now, the voice mail box is full and not accepting any calls. Literally these calls are in the hundreds now and quite frustrating since I owe no one anything.
This was a promotional deal. The monthly statements were deceptive. The statement said no balance due when it was actually due and then they charged me 6 months of interest. In addition they had changed my payment method from being linked to a credit card to this credit account. 

I paid off on the phone immediately.
i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect
I checked my credit and was not aware of having account or balance with comenity never received a notice or bill.
My home is in foreclosure and BOA Ban of America is not fairly handling my attempt to short sale. I am filing a property value dispute because the appraisal is inaccurate. I have a buyer who wants to live in the house. However there is alot of work that needs to be done. The buyer is qualified to get a mortgage with funds to repair built in. I have a XXXX sale scheduled for Tuesday XXXX XXXX, 2016 and have asked for the bank to postpone awaiting the results of my value dispute. Bank of America refuses and claims XXXX will not allow them to postpone. I need to be able to short sale in order to avoid foreclosure. I have filed a complaint with XXXX FHA case # XXXX.
A dispute was submitted to Experian concerning XXXX accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. Each account reflected a negative remark that has adversely effected my credit report. XXXX XXXX XXXX is a collection agency who during several conversations with most recent occurring on XXXX/XXXX/XXXX is updating my credit report in behalf of XXXX XXXX XXXX XXXX. A conversation was held with a XXXX representative named XXXX XXXX on XXXX/XXXX/XXXX at approximately XXXX on a recorded line. XXXX XXXX was informed of the situation with the co-pay and the outstanding balance in the bills. He informed me that the bills have been charged off and that XXXX has no interest in them. When he was asked about collections he stated that the bills were sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX was asked about adding collections to credit reports and he responded by stating that XXXX does not report medial bills to collections nor do the ask the medial collection be reported on credit reports. He then stated that XXXX XXXX XXXX has not been authorized by XXXX to added collections to credit reports. XXXX XXXX then stated that XXXX XXXX XXXX is merely a third party collection company that is trying to collect a payment for there benefit because they now own the debt. This is conflicting information as because in a response to a previous dispute filed XXXX XXXX XXXX who is the parent company of XXXX XXXX XXXX stated that they were acting on behalf of XXXX and updating on behalf of XXXX. They claim that they do not own the debt but it was reported by XXXX that the debt was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX which is reflected on my credit report. Documents are attached to verify the phone conversation with XXXX XXXX XXXX and to verify that XXXX XXXX XXXX has stated that the are acting on behalf of XXXX. 
In regards to the XXXX XXXX account there have been late marks added for the month XXXX and XXXX which should not be there. The car was paid in full XXXX as a result of trading my car in. XXXX XXXX overnighted a check on my behalf. As for XXXX we did not own the vehicle. Attached is the letter from XXXX confirming the debt was paid in full. 

XXXX XXXX XXXX was a previous collection account that was closed and removed from my credit report in XXXX XXXX. A notification was not sent to Experian which prevented the account from being removed.
Was denied loan for rather suspicious reasons, first for unable to verify identity, how can you say that, when they never tried. Second, for derogatory public record or collection filed, because that 's been cleared up, on most credit reporting services, it does n't even appear. My husband was denied for not reaching XXXX credit score, now this. It 's obvious, either they do n't really make loans, or do n't make loans to minorities.
XXXX and Transunion are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the XXXX XXXX XXXX as well as attach a copy of my credit report. 

XXXX : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.
American Honda Finance. I have no documents lost in hurricane XXXX. Was reported TWO times on credit report negatively. I had no clue. First comprised account was for a lease-option-to-buy. Payments were {$160.00} a month paid on time and completed. 
Second compromised account was for loan from AHF, payments were made in 2 yr period. Payments went up to {$160.00} a month, I was behind in 2009 due to financial hardship. My father had XXXX, had to help with bills and got behind on mine. Communicated with Honda all the time. Since XXXX are paid off, I would like the lease in positive ( never missed a payment ) the loan removed from my credit report. Honda Finance is the most rude and negligent company I have ever dealt with, I expressed my hardship, HONDA, did not care. I missed XXXX or XXXX payments, asked if it could be put on back end of loan and was rejected. I understand I have to pay loans, but when a family member has stage XXXX XXXX XXXX, a car payment missed for a life saved is commendable. Would you not think? Another bunch of jerks. Finance dept, very nasty, " We do n't care if your father is sick, we need your payment ''. NOT RIGHT. Proof of payment, ask them for title, sold car off.
In XXXX, I requested assistance from XXXX XXXX to modify my loan during a severe economic downturn. XXXX XXXX would only offer a 5 yr balloon option. I advised them at the time, that I was in the process of a short sale on my prior home and would not qualify to pay them off in 5 yrs. They stated that as long as I proved I had the ability to repay they would remodify after the 5 yr term. Fast forward to XXXX XXXX, I submitted for remod, XXXX sat on the file till XXXX XXXX, then sold the file to XXXX XXXX. I contacted XXXX XXXX and they said I had to wait for 60 days till they got the complete file then they would issue me a new remod package. I received that pkg in XXXX XXXX. Completed and resubmitted. They advised me in XXXX XXXX they would no longer accept pmts because the balloon came due in XXXX XXXX. I applied for assistance from the state in hope this would entice the lender to remod. The state said they would provide {$30000.00} but that they could not finalize unless the lender agreed to modify. XXXX did not respond for months but finally told me the investor would not extend the loan because they purchase the file on the secondary market as a fully maturing 5 yr balloon loan. I requested a reconsideration because this was a fraudulent transaction sale as this was sold to me as a balloon with the remod option at the end of 5 yrs. I did not hear back from them. Several months passed and I received notice that Shellpoint Mortgage was now servicing the loan. I requested for the mod pkg. provided all of the items and proof of income to support repayment. They said I cleared underwriting and were just waiting on the investor to determine which remod option was available. This took place in XXXX XXXX. XXXX XXXX they stated they needed 30 more days. I did not hear from them till XX/XX/XXXX. They declined the remod and gave the option to short sale or deed in lieu the home.
I have been a customer of Exeter Finance since XX/XX/XXXX. I have never missed a payment and all my payments have been on time. XX/XX/XXXX I total loss my car. Every since then Exeter has been a nightmare. I had full coverage along with GAP coverage on my vehicle. The Insurance company and GAP completed everything that was needed on their end by the end of XXXX. Exeter received a payoff from XXXX XXXX, a payment from me ( because they said if I did n't make my XX/XX/XXXXpayment it would get reported to my credit as 30 days late, even after they received the check from XXXX XXXX ). They received a payment for GAP for the remaining amount on my loan as well as another check for {$690.00} from XXXX XXXX. It took Exeter 3 weeks to process those checks. I could not get approved for another car loan until it showed my acct had been paid in full. I had been without a car since XX/XX/XXXX. I just got another car on XX/XX/XXXX. Everytime I called Exeter I spoke with a different person and was told so many different stories. Even the company I purchased my car from got frustrated and upset with Exeter and called their practices unethical. I have an over payment of {$1100.00} that was supposed to get sent to me the beginning of XXXX and as of today they have still not processed my overage payment. Each time I called in for an update, someone ( including management ) told me a different story. I called the office of the president and spoke with someone about my account and they all act like they do not care. They are the WORSE FINANCE company ever and I am looking to file a suit against them for their unethical practices. they way that they treat their GOOD customers are a disgrace and they need to be held accountable. I have experience so much stress in dealing with them these past 3 months and I still have not received by refund check. <P/>
STAY AWAY FROM EXETER FINANCE if you can ...
I was charged an overdraft fee ( {$35.00} ) on my Bank of America checking account when my account balance was not in the negative and I had enough money to cover the transaction. The bank refuses to refund the overdraft fee, telling me that over 6 months ago I " already had XXXX overdraft fee refunded. '' So somehow, I 'm being penalized because the bank made a similar mistake twice!
PayPal is holding money that 's available in my account. PayPal is h olding money that 's available in my account for no reason. They 're currently holding {$3200.00}. Account ID :  XXXX  XXXX  XXXX
Equifax used my report improperly and leaked my personal information to the public. Due to their incompetence, I will forever have to worry about my credit being used maliciously and without my permission. 

This is extra stress and suffering that 143 million Americans did not need.
I paid my  XXXX  bill on time. The escrow in the account was just re-evaluated and I sent in the incorrect amount. I paid {$820.00} when I should have paid {$870.00}. This is totally my fault that I did not put the entire amount correct due to the escrow change.   My contention is that the mortgage was paid the other amount goes into an escrow account until needed.   They sent information to the credit companies stating that I did not make a payment. I clearly made a payment but I have been treated as if I had paid nothing. This was clearly a mistake on my part. The problem is being treated as if I did not even attempt to make a payment. As a result, m y credit score  has dropped by  XXXX  points.  <P/> I have asked that they send a retraction to the credit companies and they will not do so.  <P/> I do not know if this is a federal regulation or if this is company  policy from my Ditech my mortgage company.    I need more help than just a supervisor saying no we did not receive the entire amount and I ca n't help.   I work hard to impro  ve my credit score and this has destroyed it from a very good score down to a average score.
I do not have the choice to p  ay my taxes and insurance on my own, and do not have the choice of changing my loan servicing company. At this poin this is what I would like to do.
I filed a complaint with XXXX XXXX AND EQUIFAX about hard inquiries on my CREDIT REPORT that are not mines PERIOD. The ( ONLY ) hard inquiry that is mines is the ( XXXX XXXX ) that's showing on my XXXX only. I also called the fraud departments on ALL the other hard inquiries on my 3 CRA 's and THEY sent over requests to have them DELETED yet they are still there. And XXXX AND EQUIFAX both have yet to provide me with ANY/ALL documents they have with my signature on it that gives them the right to have a Child support LOAN showing on my CREDIT report.
I have attempted Equifax Consumer Services multiple times ( 8 ) in an attempt to remove XXXX un authorized inquires off of my credit report. During each attempt to have these inquires removed Equifax representatives have told me that they disputed them and I should have my results within 30 days. When my results came back 30 days later they say they are factual records. I have asked for proof of how they are factual records, but have never received anything from them to support there investigation.