WillisBack/dataset-financial-user-claim huggingface dataset:
I recently relocated to a new city/state and am in the process of buying a new home. I knew before applying for pre-approval that my credit scores needed to be in good standing before submitting an application. So I took a hit and took out some of my retirement savings and paid down most of my debt before applying. I used website like XXXX, XXXX, and XXXX to monitor my credit and make sure my scores were headed in the right direction. I pulled report from all three credit bureaus and saw that my scores were, XXXX, and XXXX. They all showed the same on all three websites. I even called XXXX, XXXX, and XXXX that those in fact were my scores. So I applied for pre-approval with Wells Fargo bank. They came back and told me that my score that they pulled showed my score at XXXX! Imagine my shock when seeing a XXXX point swing! So I called Wells Fargo and asked why such a huge discrepancy?? They said they had nothing to do with my credit pull and the report came from a company called XXXX. So I called XXXX, and they proceeded to tell me that the scores they provided came from the credit bureaus and I needed to call them. Zero help, from either place. All playing the blame game. So I called XXXX back and verified my score was in fact XXXX. I called wells Fargo again! No help, told me they had nothing to do with the numbers and did n't know what method was used to pull the scores that it was handled by XXXX! I called XXXX, again, and they told me their information came from the bureaus!! Not XXXX person could explain to me why there was a XXXX point difference in what I saw as my scores and what they saw as my scores! Not XXXX ounce of empathy or caring from any of them!! XXXX credit score barely qualifies for and FHA loan and means I 'll be stuck paying a PMI when I should n't have to. And these banks and companies could care less because they 're getting paid regardless! No one tries to help you and no one cares that you spent {$10000.00} of your retirement to put yourself in a good position for a loan only to be told your efforts mean nothing!!! This process needs to be fixed. We as taxpayers bailed these banks out and we are still treated like XXXX class citizens at best. It 's shameful, disrespectful and down right greedy.
US bank is marketing and selling its XXXX perks travel rewards credit card with a lot of benefits. However, I have this card for more than 33 days now and I absolutely have no access to their promotion site and the offers they are marketing. I have been lied and cheated muitlple times by the customer care. Sometimes, I have been told that the offers are not for everyone but when I insisted that the credit card benefit booklet I received mentions all these offers and there is no targeted offer clause. Then, I was transferred to different departments and this has been happening for more than a month. They tried to plead me with XXXX points and told me that I will have access to the benefits after my first billing cycle. However, I am still struggling to even find out what my card offers. The customer service says it 's a technical issue and technical team says they never heard of this site before. This site is mentioned on every page of the booklet sent to me by the bank. It 's XXXX
Citi Card - Costco is charging Interest when I pay the Card in full each month and have no cash advances.
My car got totalled. The loan was paid in full except {$1000.00} They closed the account XX/XX/2018. It shows as a chargeoff account however it still shows a balance of {$1200.00} and I am being reported late each month
I started a SunTrust bank checking account online on XXXX/XXXX/2015. I was able to access the online portion and got my account and routing numbers so I could direct deposit my paycheck. When I checked back a few days later, I could n't access the online banking. I called SunTrust, and they said they could n't verify my identity, so I could n't get online banking until they sent me a verification card to my address, that I would sign and mail back. After a few weeks, I still had not received the verification card, so I called back, and SunTrust informed me that my account was closed for " rules violations '', although they would not tell me what rules I violated. They gave me no warning that my account was about to be closed, or anything I could do to keep it open. They said the account would be closed and I would be sent a check. A few weeks after that, I receive a statement for my account, which I thought was closed. I called again ( XXXX/XXXX/15 ), and SunTrust informed me that my account was still in review to be closed, and I would not receive the paycheck I had deposited until the review was done. They could not give a time frame for the review to be done. I opened this account with a promotion, in which if I deposited over {$2000.00} I would receive {$200.00}, and I believe that because I was very close to achieving the promotional balance, they closed my account. Now they are refusing to send me back my money.
on XX/XX/2017 medical collection is showing on my Equifax it is not my bill and obtained by fraud a derogatory remark was filed on my report I have previously contacted this company with no avail to remove it, there are two amounts in the amount of {$140.00} and XXXX XXXX  and XXXX  already remove it from there consumer report per FCRA Equifax has to remove it too.
The Heloc in question was established in XX/XX/XXXX with a 10yr maturity ( XX/XX/XXXX ) and interest only payments. The amount is {$82000.00} and there are no allowed advances. I had issues paying in XX/XX/XXXX when my wife lost her job but we were able catch up and get current. We have been current since and in 2nd half on XX/XX/XXXXXX/XX/XXXXalthough I made monthly payments every single month, unbeknownst to me the payments were short and they reported late payments to the credit agencies. The company rather than applied the payments to interest they decided to apply to principal. When I realized this in XX/XX/XXXX I quickly remediated the problem coming current with multiple payments in a span of 3 months. The loan was current as of XX/XX/XXXX when I requested a loan modification on XX/XX/XXXX. My understanding was that they were going to simply extend the loan given the maturity of XX/XX/XXXX. At this time we are in the process of relocating to florida for my job and my wife is without a job given the relocation. Since my application and after providing all the documentation the servicer requested byXX/XX/XXXX I have not receive any written ( fax or mail ) details with the decision on my loan modification. When I call to inquire about the decision I was informed that I will be paying {$2400.00} by XX/XX/XXXX and then {$850.00} the remaining 6 months. This is 10x my regular payment on 1st pmt and 3x there after. This not have the feel of a loan modification. In addition to make things worst I was informed that my credit report will be reflected negatively even if I make the outrageous payments they are requesting. At the moment all we are requesting if for an extension of the maturity date, to continue to make the Monty payments as we have been for the last 10yrs and to properly reflect payments to the credit agencies. In addition proper communication is expected. It 's been 2weeks since XX/XX/XXXX that I 've asked for details on the program and information on the investor. Both times the turnaround time for an email or fax is 3-5 days and it never gets done. I do n't know what the large payments are for or details behind the trial period. I need help speaking directly with the investor to come up with a reasonable course if action without affecting my credit reporting. At the end of the day I 've made all my payments to this loan and I 'm simply requesting an extension. XXXX XXXX XXXX
On XX/XX/XXXX I took a call about reducing my rate - when I got a persona I asked them to stop calling me as I get these call almost every day. The person on the phone argued with me about my credit card debt, said they were from my CC company 's billing department, and why didn't I want to reduce my rate? I repeatedly told him I don't want any more calls then hung up on him as he tried to argue more. 

If it is my CC company it is Chase and the card is an Ink card.
I have now by email XXXX times asked that they stop contacting me at my office number as I am not in a private environment AND my voice mail is not private. The most recent call was XXXX minutes ago. This is becoming abusive. Each time I have advised them that it is against the FDCA for them to call after I have asked them to stop but they continue. Thank you.
On XX/XX/2017 I viewed my CBR as I do each month. I noticed that there was a collection item listed on my report. I immediately disputed this item against my credit as I had NEVER received anything in the mail regarding this. On XX/XX/2017 I received a response to the dispute from XXXX stating that this item had been reviewed and found that it was an accurate reporting against me. Again confused because I had never received anything in regards to this debt. On XX/XX/XXXX I receive a letter from the agency ( Collections USA located at XXXX, XXXX, AZ XXXX ) this letter was dated XX/XX/2017 several days after the item was already reported against my credit report. My complaint is this. For some reason I feel that this must be some sort of FDCPA violation. How is it legal for an agency to report something against your credit before sending the initial 30 day demand letter giving an opportunity to dispute the item BEFORE it is placed against someone 's credit. Should n't they be allowed the 30 day ( lawful dispute time ) before it is reported?
I was charged {$72.00} in overdraft fees on XXXX. Last time I called about a fee I asked if my line of credit could be setup on my checking account and to opt me out of overdraft. I was lied to about this and was charged {$72.00} overdraft fees due to this. I am on a fixed income and can not afford to pay these fees due to their mistake. XXXX of the fees was for {$3.00} that should have declined due to being opt out. I never signed a form opting me into overdraft coverage and asked to see if but was told they did n't have it. Please help me get all {$72.00} refunded.
Hi I have been paying my mortgage on time for the past approximately 8 years. I am XXXX years of age and on Social Security XXXX for 8Years. I had no problems paying my mortgage up till now. My initial mortgage co. XXXX XXXX XXXX made a Loan Modification in XX/XX/XXXX with The Making Homes Affordable Program which aloud me a modification to be able to make payments. Then in XX/XX/XXXX XXXX transferred my loan to XXXX XXXX XXXX which transferred the loan to Fay Servicing. Since the transfer my mortgage statement has increased {$160.00} I was told due to interest rate increase an escrow shortage. I was still able to pay that on my fixed income. However I received a letter today saying that my property is in a flood zone and " they '' are buying me flood insurance ( which I have to pay back ) also I know is going to put me in a bad financial situation. possibly in a fearful situation where I might falter on the mortgage. My point is that I have not had flood insurance for approx. 10 years. I 'm not even sure why in XX/XX/XXXX when I modified my mortgage I was not told I required flood insurance and I 'm not sure I 'm even in a flood zone as Fay Servicing is saying. Is this legal since my initial application for my loan modification was signed off with no mention of flood insurance. If so are there any options? My hope is that you understand and assist in any way possible to get though this difficult time. Any assistance would be greatly appreciated. 
Many Thanks in advance Best Regards
I called Equifax to see if my personal information, including my social security number, was at risk of being stolen by a recent breach and received a randomly generated answer instead of the truth.
I paid my mortgage online on XX/XX/2018 for the XXXX payment due to avoid a late charge. The payment was not processed until XX/XX/2018 and I was charged a late fee.
I named XXXX XXXX in a bankruptcy, the bankruptcy has been discharged yet the account is now showing up as " in collections '' on my Equifax credit report. Copy of Bk discharge attached
I return their call about being past due and they did give me offer if I paid one payment now they would wave two payments off my bill making me one payment behind I told them I 'm not working at the moment and there 's no way I can afford this car and was scheduled at that time to be sent for repo I gave them my current address and so they called again the next day I told them again nicely that I do n't have a job I need to pick up a repo gave them my current address and then we 're getting calls from my in-laws that they 're calling them asking for me and telling them what about the car xcetera and they have my phone number my current address but anyway it goes on the next day they call me again I answered this time I get a mad and and ask them why they 're not communicating with each other and their own company give them all the same information again then literally the next day they call again and this time I 'm nice again and I told the guy about how they 're calling my mother-in-law and calling me everyday after it 's already been for repossession stop harassing me that worked for about 2 days and now my mother-in-law calls me again n well she 's XXXX XXXX I 'm really not her business about this repossession and she does not need to be harassed expecially when is already given my current address they have my phone number and they are in contact with me and I 'm just waiting on the tow truck driver to call me and say hey meet me out and give me the key I really want this harassment to stop I am currently unemployed I owe lots of bills I 'm fully aware of my obligations financially but at this moment in time I am on food stamps and government assistance looking for work my wife and I both
i was unable to get my credit report from XXXX it was with equfiax in which it lead me to the Equifax website. At that time i had to purchase the Equifax products in which the company was automatically taking funds in the amount of around XXXX out of my account each month without my consent. I contacted the company to stop the transaction but they continued to withdraw money for about 6 months. That happened XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I tried " XXXX again, in which Equifax denied me again and i had to purchase the products of getting my credit report and score in which i was charged again but this time XXXX for 6 months.
Back in early XXXX I sent funds ( {$2000.00} ) from coinbase to contribute in an ICO. The ICO sent the corresponding transaction back to my Ethereum wallet on coinbase ( Its an XXXX token so they can be sent to ethereum wallets and help along with any XXXX token ) but coinbase does not recognize the token and refuses to assist in anyway to send to tokens to a seperate wallet address for me. It took them over two months to even reply to my request for assistance and when they did they flat out refused to help. The process to do this is simple and would take maybe 5 minutes. I have emailed support and opened several cases, every time I am told they can not and will not help resolve the situation. This happens rather often and this company is holding my currency XXXX in my wallet.
Real Time Resolutions charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.
My intial debt was with XXXX XXXX. Unfortunately I was laid off and unable to make payments. XXXX XXXX was unwilling to set up any arrangements on my loan. I began to receive threatening calls at saying they were going to take me jail for check fraud. These calls came from XXXX XXXX. I called and reported these threats and nothing ever resulted. They continued to harass not only me but my references. Giving out " case numbers '' for my file and telling them I was going to be prosecuted and served. It got to the point I had to change my number.
My name is XXXX XXXX. I own a home at XXXX XXXX XXXX XXXX XXXX XXXX Texas this house was bequeathed to me by my grandmother our family has owned it for XXXX generations. 5 years ago my Husband, who is serving a XXXX in the texas prison system, filled out an application using my name and my credit and my home and received a XXXX line of credit under the rules of a home equity loan from XXXX XXXX XXXX. He closed on this loan without advising me anywhere along the way. I never signed the application, the approval, the closing documents, I never received the cash nor did I attend the closing. They were all forged. I was not aware of this until the loan was transferred from XXXX XXXX XXXX to XXXX mortgage servicing llc. When he did not make payments on the loan., I attempted to explain this to XXXX . They took a application for a loan modification and said they would look into it. 60 days ago, after stalling for 2 years, they sold the loan to BSI Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. BSI stated they would never give a loan modification. I filed the paperwork to apply for a modification anyway and they processed it. Without sending any notification I writing to me, they started a foreclosure against my home with a sale date of XXXX XXXX, 2016. When I asked my case manager why he did this, he stated that they turned me down for a modification. When I asked for an appeal process he ignored it. I was not allowed to go through the process of appeal per the 30 day rule. I sent a new package int XXXX XXXX and while it was in process he stated that they were going to foreclose regardless, but they would look at the paperwork. Today I received a letter that even though they were in violation of the dual tracking rules. I told the case manager, XXXX XXXX, about the violation and they said they did not have to follow it, I mentioned that I never got a judge 's order recorded to allow the home to be foreclosed on and he stated that BSI stripped the mortgage and and did not need any permission to foreclose. 
this violated the Texas rules of civil procedure, the Home equity lending rules and the CFPB law about dual tracking. he would not even discuss the forgery. this complaint conerns the original application and forgery the settlement process of this loan without me signing or being present, the modification process and the foreclosure process.
I recently refinanced my home through Rocket Mortgage ( Quicken Loans ). I was told my loan was due on the first but I had until the XXXX to pay before my loan will be considered past due. 

It was going fine with auto pay until Rocket Mortgage ( Quicken Loans ) decided to change the date for their billing statement to the XXXX of the month. No advanced notice was given that if I did not change the date of my auto pay that I would be considered past due. 

It was not until I received my last billing statement in the mail that my loan showed that I was past due by one payment. 

I consider this a deceptive practice by Rocket Mortgage ( Quicken Loans ). If I now had to show my billing statement to someone in order to obtain a new loan it would show that I'm late by a payment. 

I contacted Rocket Mortgage ( Quicken Loans ) and they advised I'm not really late and it just shows that I am on the statements. This makes absolutely no sense. If I'm not really late why are my statements showing that I am. Since I am very concerned about what is on paper along with what my credit report shows this has forced me to move my auto pay date to the beginning of the month. Moving the auto pay to the beginning of the month also forces me to move up my payment by one pay check which impacts my overall budget. 

Rocket Mortgage ( Quicken Loans ) should be ashamed of themselves for such an underhanded and deceptive practice. They advertise a mortgage experience engineered to amaze and this definitely does not fall into that category. I'm completely disgusted by this billing experience. 

I would like my mortgage statement fixed to show that I was never past due since according to them I'm not and it just shows that I am. 

It makes me wonder it they think they move the statement date up that they can have more funds on hand sooner to originate more loans. If this is not the case I would like them to explain why they would do this.
Trans Union recently e-mailed me a copy of my free annual credit report, but I was UNABLE TO PRINT IT! I would now like to ACCESS THAT SAME REPORT via their website, but THIS IS IMPOSSIBLE TO DO! Please find out WHY their website is so NON-USER FRIENDLY to people desiring to get a copy of their credit reports!
I made arrangements with Shermeta law firm in XXXX Michigan to pay XXXX $ a month. Every month I received a payment envelope and statement. Last month I did n't receive one. So no money was sent. They said they sent one. My account was garnished taking my car insurance and tax payment money. i think they did n't send me a statement on purpose. I wonder how many other people have had this problem. they said it was my fault and that I should have called them. I save every month so that I can pay my insurance bill in one payment. I would like that money returned. Thanks XXXX XXXX
I am having financial difficulty and trying to get a deferment and my lender is not allowing me to do so without paying them {$300.00} to do a deferment. A deferment does not cost money, it is a right as a consumer and they should not be charging me to do so. I have never missed a payment until recently and at a time when I most need help, they are not helping me. I received a letter from them about getting a deferment but when I called they said I could not do a deferment and the manager said I could and I received a letter. This is inconsistent and I believe they are causing further undue hardship.
Our mortgage loan was sold from XXXX to BayView loan service in XXXX and the transfer process did not go smooth it took them 3 months to give us an account number. in addition, they lost XXXX of our payments which caused three years of confusion which in turn lowered our credit scores significantly and we finally got it cleared up this month XXXX XXXX.
Please remove the following fraudulent inquiries from my Equifax report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Repeated annoying calls from Transworld Sytems Inc, stating this is an attempt to collect a debt I do not owe.
I have been getting the run around from Experian regarding inquiries. Experian has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Experian a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. The 5 inquires are XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX