WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a Citi Card since 1999. I used to get a statement credit based on the amount of money I spent. Over the years, this card became by secondary credit card and was seldom used. About a year ago, I decided it would be safer to use a credit card instead of a debit card, and my Citi Card was put back into frequent use. At this same time I asked for and was approved for a larger line of credit to cover my monthly needs. A new card was issued and I began using the new card. When this card was issued it was a Diamond Platinum, instead of my Platinum Select. Two things happened with this name change. First, my existing balance credit of approximately {$3400.00} went away. Second, my rewards for use of the cards were no longer balance credits and were instead coupons for deals on magazines or clothing. For about a year now I have been charging between {$10000.00} and {$30000.00} a month, always paid off monthly. My believe was I was stacking up reward points only to find out that this unsolicited change of reward programs only gave me a coupon for a purse. I want to know who approved this change of programs, where is my previous statement credit, and what benefit I have for the over {$200000.00} of purchases I have. The customer service manager told me I had no recourse and she respects my decision not to use Citi Card.
I'm being charged a debt of over {$2000.00} to a hospital that filed for bankruptcy shortly after I visited it back in XXXX and now it shows a debt opened in XX/XX/XXXX and i didnt even go to the hospital then because it was closed and working on getting a new owner/company to take over. I never received anything in the mail that I even owed anything to this hospital before it closed. Then all of a sudden I check my credit report and boom its on there!
I purchased my home in  XXXX . My mortgage company i s Wells Fargo Home Mortgage Company, Inc. My mortgage interest rate is 6.25 % since  inception of my loan. In  XXXX  I began to inquire about refinancing my mortgage since the interest rates dropped to an all time low. I was deferred to  the Wells Fargo Home pr eservation unit. I completed an application and submitted all the supporting documentation in  XXXX . I continued to call and inquire about the status of my application.  Wells Fargo claimed they never received my application. It took over 18 months for Wells Fargo to process my application and instead of refinancing my loan they did a loan modification. WF    did not reduce my interest rate, they extended my loan ou t for 20  more years and reduced my payment by less than {$100.00} per month. This is not what I requested or needed. By the time WF sent the paperwork I had to file bankruptcy and my attorney declined the loan modification as it was absolutely no help to my financial situation. I filed  Chapter   XXXX  on  XXXX / XXXX / XXXX . I have spent years dealing with WF without any remedy or assistance from, them. In  XXXX  my attorney contacte d WF for a refinance and again, they did a loan modification. WF  claimed I owed over {$18000.00} in arrears which is completely ridiculous. Now my loan has been extended to  XXXX  and  WF  charged me over {$10000.00} in interest. They have charged late fee upon late fee and interest. At this time I have completed my  Chapter   XXXX  and final disbursements have been made. I am waiting for all checks to clear and I will b e discharged. WF claims in the tem years I have had my mortgage that I have paid only {$10000.00} in interest. My original loan was {$250000.00} and I have paid over {$2000.00} per month for tem years and the balance of my loan is {$230000.00}. I will be dead before this is paid off. I have asked WF repeatedly to do a forensic accounting of my loan which they have never done. I am disgusted with WF. I am still at 6.25 % while the rest of the entire work is at a rate of about 3 % or lower! WF also claims my escrow account is always short.
I had a student loan in XXXX back in the XXXX 's. The loan was paid in full more than 25 years ago. XXXX which is the loan agency in XXXX still claim that I owe them money. I have sent them letters in the past disputing the debt. They are now hiring Caine & Weiner in the XXXX to try to collect the non existent debt. I have sent Caine & Weiner a letter dated XX/XX/XXXX and asked them for verification of the debt and for them to not contact me anymore except for the verification. I have not received any verification of the debt. Now XX/XX/XXXX they called me and told me that I am in collection for the non existent debt from XXXX. XXXX from Caine & Weiner told me that this was a different debt from the same " XXXX '' client.
I have a delinquent account with lan Financial Services ending in : XXXX with an outstanding balance of {$2700.00}.
I sent a request to Equifax to freeze my credit both in XXXX XXXX and then again XXXX XXXX per their request to send new documents. I also called in XXXX XXXX, because I had not received the pin and they said they were mailing the pin. I 've never received the pin numbers or confirmation that a pin was in place. I 've already sent all my documents Police report, proof of address, ID, ID Theft Affidavit.
( 1 ). My original loan on the the house I purchase was a predatory loan. 
( 2 ). At the original closing, the monthly mortgage was established on income from the previous state of residence, not the present state of where the house resides, where we are now. 
( 3 ). At closing the interest rate was in increase unexpected at the last minute / at the closing table to me the buyer. I was forced to take the offer coming from the State of XXXX to XXXX or be homeless. There was no family to rely on in the new state. All my furniture was setting in front of the property with no where else to go or be homeless. 
( 4 ). My loan was out side of the 31 % guideline mandated by federal standards after several modification attempts to lower the monthly mortgage payment. 
( 5 ). XXXX XXXX / Mortgage company waited a whole year before establishing escrow on the loan after modification, abruptly increasing the monthly payment to an additionaI {$600.00}. Escrow should have been calculation from the onset of the loan. 
( 6 ). Previous modifications never really made mortgage affordable, only a {$20.00} reduction in payment, so escrow arearages, interest, penalties, late payments made it very difficult to make the monthly mortgage, forcing possible foreclosure a present. 
Have supporting documentation of above issues
I am receiving repeated calls from someone at a collection agency on behalf of American Express. They have contacted me repeatedly about a debt that belongs to my father. They always begin the call by stating that I am not responsible. They then proceed to ask me a series of questions about my father, his intentions to pay, and when and how they can speak to him. This has been going on for months. I have repeatedly requested that this man, and I believe that it is the same individual, stop contact me at my mobile number.
Customer Service is giving me the runaround refusing to re-investigate incomplete and inaccurate information appearing on my credit report. I was told to call XXXX ( to dispute ) yet no phone number appears on my credit report, then our call was suddenly disconnected.
My mortgage was just sold to Loancare LLC ( XXXX XXXX XXXX XXXX XXXX ). I received my temporary coupons in the mail on today. I registered on their website to make my monthly payments via the web. When I tried to make my current payment, although I have XXXX days, I realized the company added a {$10.00} fee to my payment. As I read down the page, they charge their customers ( due date is the XXXX of the month ) : On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} This is a scam and has to be illegal. I would like for these guys to be investigated, I 'm sure they 're scamming ALL their customers.
Current loan servicing company will not honor my previous MHAMP agreement due to payments not being received in the required time frame by MHAMP guidelines. Payment were not able to be paid by required time frame because loan had been transferred XXXX times since XX/XX/XXXX, thus causing issues in making payments to the current servicing company by required deadlines. Will provide documentation as to issue, dates, etc. when needed. Account was first being service by XXXX XXXX and was transferred to XXXX XXXX XXXX on XXXX. I received notification from Nation Star of transfer the end of XXXX 2014. I contacted the new servicing company and they did not have my loan details yet. On XXXX I spoke with a supervisor is their department regarding the letter I received which showed all my loan information was incorrect. He advised me to wait another week and check back again. During the interim, he sent request to delete late charges as I was within my first XXXX days of transfer to a new servicing company. He also stated that I could pay my account on line when I get paid on XX/XX/XXXX. After confirming deposit for self employed funds were received and posted to my bank account I logged into their system to make a payment. I am attaching the email I received as proof that I logged in to create my account and make payment. However, my account was still incorrect and showing that I was XXXX delinquent and their system would not allow for me to make a XXXX month payment as previously directed. I contacted XXXX XXXX XXXX XXXX directly on XX/XX/XXXX and explained this issue. I made payment by telephone which cleared my bank account on XX/XX/XXXX. This issue caused me to become over XXXX days delinquent on making payments and thus made me ineligible for the deferred principle write off that was to be completed XX/XX/XXXX. I filed request with XXXX XXXX in regards to this issue and never received a resolution prior to my account being transferred yet again to another servicing company effective XX/XX/XXXX. The servicing company was Bayview Loan Servicing which is the current loan serving company. I again filed request and was denied. I filed an appeal and was since denied again due to not meeting the required payment guidelines. I am attaching proof of this final request with both of their denials stating this information.
I 'm a US veteran and did a VA streamlined refinancing in late XXXX with Stearns Lending ( the " Company '' ) as the finance company and current holder of the note. The Company 's loan servicing provider is " XXXX '' and that entity has a current practice of charging borrowers a {$5.00} processing fee for payments made over 4 days past the payment due date. Payments made over 9 days past the due date are assessed a {$10.00} fee. Loan documents state that I have a 15 day grace period to make payment each month without any late fee assessment. These processing fees during the grace period were not disclosed at the consummation of the financing. The assessment of " processing '' fees appear to be a disingenuous attempt by both the Company and its service provider ( XXXX ) to assess a late fee just by calling them something other that late fees. I tried to resolve with XXXX with no success.
XXXX XXXX will not respond back to issue on my account they source it out to XXXX XXXX XXXX XXXX. On XX/XX/18 they sent the account back to XXXX XXXX in a disputed status. XXXX XXXX   will no respond back not even to they hired to collect which is XXXX XXXX XXXX.

I have mailed US Certified mail with no response. I have called and get nothin g but the run around.

When I switch from XXXX XXXX they took 4 months to get the finale bill to to XXXX and had sent the account to collections before they settle with XXXX. I have letters going back that I mailed XXXX  with no response.

There was a lot of errors with XXXX on this account and as yet to be settle.
I purchased a XX/XX/XXXX Honda Accord at the XXXX XX/XX/XXXX.The rate was high and my payment was {$400.00} a month when I had a good credit. I just found out that Honda was taken to court for charging higher interest rates to XXXX XXXX and XXXX.
Called my work and said they were the courthouse and that I owed money. Once I got on the phone the woman said I never paid anything to ACE, when in fact I did. I said to please send me a statement by mail so that I can review this claim. I was told it was too late for that. I was told if I pay now that I can pay less for a settlement. I said let me know the name and address of your collection agency and that I would get back to you. She refused and said I dont have time for this. She gave me a number to call back, but didnt give me a name. I told her I was reporting her then she hang up.
On XX/XX/2019 we deposited ( via ATM ) two checks, each in the amount of {$15000.00}, for a total of {$30000.00}. 

This is typically more than our normal deposits, but we deposit around {$7000.00} or more each month, so it was not extremely out of the ordinary. 

We have had accounts with US Bank for more than 5 years, and have never overdrawn any of our 6 checking or savings accounts. 

A few days later, both checks showed as " posted '', but neither were included in our available balance. My husband called the bank and they explained there was a hold on the checks and that the funds would be available on XX/XX/2019. 

Today is XX/XX/2019 and the funds are still not available. Upon doing some additional research, I learned more about Reg CC ( a regulation I was already somewhat familiar with from my schooling ). 

It is my understanding that within 1 business day {$200.00} should have been made available, and within 3 business days another {$4800.00} should have been made available, and within 7 ( today ), the rest should have been made available. As previously mentioned, we have never overdrawn, nor are we new customers.

To date, 7 business days after the deposit, no amount of the funds have been made available and upon a call to the bank, they stated it is a " processing '' issue and were unable to provide any further explanation or information and said the funds should be available tomorrow.
On XX/XX/2018 I submitted a dispute to XXXX informing them via written letter, that they were reporting me as an authorized user, a charge off account from Navy Federal Credit Union in the amount of {$8400.00}. I informed them that I am not responsible for this debt and to delete this account from my credit report, but they have failed to adhere to the FCRA guidelines. This debt does not belong to me and they also failed to validate that it does.
I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
I contacted Capital One in XX/XX/2017 if I could make my payment after the due date XX/XX/XXXX to XX/XX/XXXX-she said yes, I can make up the payment in any form and she would remove my auto pay for XX/XX/XXXX to XX/XX/XXXX.Result was she removed XX/XX/XXXX auto pay-I DID NOT REMOVE AUTO PAY in XX/XX/XXXX, Cap One removed it! SHe adjusted my auto payment to DOUBLE, in which I did not authorize and I didnt know until today XX/XX/XXXX as it shows {$320.00} PENDING-NOT OKAY! I should have shown XXXX- initially years ago I set up auto pay to take out the min due. CAP ONE service rep adjusted and " doubled '' my paymt, I called Cap one immediately as they refused to remove this pending doube payment as said they could n't remove it even when they were well aware I did not authorize. Cap one rep XXXX and XXXX/manager claimed I owed XXXX and I said I do not! my min Payment is XXXX she lied and disclosed the wrong amount and told me to call my bank to stop pmt as I told her my bank will charge me XXXX as she said she couldnt do anything. This is unacceptable. I called my bank XXXX after speaking with XXXX and had XXXX on hold to tell them I had to pay XXXX fee and they CAN remove/or cancel the payment bc it hadnt come in yet. Cap one rep XXXX was on the line and she was aware of the situation and placed us on hold while I had XXXX on the line. XXXX hung up! How many times do I have to call Cap one to resolve? As they refused to remove/cancel pending transaction. XXXX was incorrect my min due XXXX as the info was right in front of her as she refused to acknowledge due amount to be XXXX, refused to remove auto pay- but new rep said let me see what I can do. Being treated unfairly and refusal to assist me is unacceptable and disclosed the wrong info as Cap one said I set up this cancelled payment in XX/XX/XXXX online as I " did not do '' -they performed this transaction, not me! Nothing but a scam to make more money off of me. If this payment isnt cancelled it will throw off my checking and I was be charged numerous fees due to other transactions coming in -I will be out hundreds if its not cancelled.
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Both my parents have died and the mortage was in both of there name my Mom passed in XX/XX/XXXX and my XXXX passed XX/XX/XXXX I was living at the residence and paying the mortage payments since XX/XX/XXXX. I feel behind due to having XXXX i tried to call to make some arrangements tried to make a payment they returned it. Tried calling they will not talk to me about it. I tried telling them my parents are deceased they will not talk to me about the loan. Im trying to save my family home its almost paid for and looking for a loan modification to catch up. There is much Equity In the house.I need help. My dad did sign the Deed over to me but he remarried and she was the witness to the switching of the Deed. I can not locate her and XXXX will not help cause he was XXXX at time of death. Looking for bank to work with me on keeping the home.
on XXXX/XXXX/XXXX I applied for a loan modification of my house with XXXX after 8 months of negotiation and when they have all documents to make a decision, XXXX on XXXX/XXXX/XXXX transferred the loan to XXXX on XXXX/XXXX/XXXX I have submitted a complete loan modification package and keep constant communication on XXXX/XXXX/XXXX XXXX XXXX from Carrington Mortgage has requested recorded divorce decree and quitclaim deed.XX/XX/XXXX XXXX XXXX has requested aditional info. on XXXX/XXXX/XXXX XXXX XXXX told me that foreclosure is on hold while they review the loan modification package XXXX/XXXX/XXXX XXXX XXXX asked me to resubmit the complete package. on XXXX/XXXX/XXXX I calle dXXXX and he told me that on XXXX/XXXX/XXXX the foreclosure was executed because there was not enough time to work out the loan modification. This is an abuse, they lied to me now I 'm going to be homeless because XXXX and Carrington Mortgage Services LLC are so irresponsible. Thank you in advance for all the help that you can give me.
I have made this complaint about this company Enhanced Recovery Corp. that is still showing on my credit Reports as a negative trade. The original fie was already disputed and was found to not be my account I have never signed anything with that creditor and did report that it was frequently. Enhanced Recovery Corp a collection agency has not place the same account on my trade stating that I owe which is not incorrect. Enhanced Recovery Corp. sent me a response via the CFPB stating that they will remove the trade, but it will take them up to 45 days. In one week I apply for another lease for an apartment for my family and I to move in and since I have already been denied a place to live last month because of inaccurate reporting. I know that I will get denied again because, of the inaccurate reporting cause by Enhanced Recovery Corporation via the CRA 's I have arranged to speak with legal counsel in regards to Enhanced Recovery Corporation. and the XXXX, XXXX and XXXX for False or misleading representations. I have already enclosing a copy of sections 6058, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft to the attorney General of California for the original credit and the last XXXX collection agencies. I refused to wait 45 days for Enhanced Recovery Corp to remove the inaccurate trade. Enhanced Recovery Corporation has an Inactive Status in the state of XXXX and withdrew authority to transact business or conduct business in the state of XXXX in 2010, but incorporated under the laws of XXXX. When researching Enhanced Recovery Corporation in XXXX I was not able to locate the Corporation, but discover another entities with different names other than what is reflected on my Credit Reports. 
Enhanced Recovery Corporation has continues to damage financial reputation, negligently support the enablement of identity fraud, and violating the Fair Debt Reporting Act. Why does this deceptive misleading practice continue and why does the Consumer Financial Protection Bureau does not place more research on the abusive debt collection companies.
Credit was submitted to my score damaging it, I have never had an account with XXXX or XXXX, I called the collector last week and they irresponsibly could not identify the information, the user who stole my identity does not have SSN in their records. But they erroneously assigned the debt to my account, without having correct information. My identity is being used by mistake affecting my amazing score.
I sent Mid ATL fin a certified letter to the address on my credit report on XX/XX/XXXX. It was returned to me stating invalid address. I then researched the address to find another address in FL to resend the letter via certified mail. The letter was pertaining to an old vehicle loan from XX/XX/XXXX that I am trying to request paperwork on. The VIN number is XXXX for a XXXX XXXX XXXX. I requested that Mid Atl provide me with all required notices. Effect of errors and omissions - notification before disposition of collateral. - contents and form of notification before disposition of collateral. As this account is reported on my credit bureau as repossessed and charged off. They are required by law to send legal notice and proof of the commercially reasonable manner of notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of the letter received. The alleged claim of deficiency will be considered null and void. see attached a copy of the letter that was sent to them On XX/XX/XXXX Mid ATL responded and stated that they never repossessed or sold the vehicle in question. see attached Then on XX/XX/XXXX - they sent a letter with a copy of payment history and contract. 
I 'm not sure what Mid ATL is trying to state in these letters, but they are not providing the documents that are being asked for.