WillisBack/dataset-financial-user-claim huggingface dataset:
I have been dealing with Experian, online, correcting misspellings, wrong phone # 's, etc. I have tried several times to get a phone # removed, to no avail. The # is XXXX. I do not even know how this appeared on my credit. Also, my past employer was spelled very wrong, and in trying to get it corrected, they actually removed it. Now I have no employment history. I have been trying to get them to spell my past employer as XXXX XXXX, Lead Teller. Please help me to get my info corrected on my credit report. Thank you!
I am writing to correct an issue on my credit report, regarding a foreclosure which was finalized in XXXX of XXXX. I had a XXXX and XXXX mortgage on a property located in XXXX, XXXX XXXX that was foreclosed upon. The XXXX mortgage holder, XXXX XXXX, is reporting on my credit report as " settled '' in XXXX of XXXX, but the XXXX mortgage holder, Bank of America, is still reporting the XXXX mortgage as an " unsettled '' account until XXXX of XXXX. 

History : In XXXX of XXXX, I contacted the Bank of America 's " Charge Off '' Department, requesting that credit reporting error be corrected. After six weeks of telephone calls and emails, they told me on XXXX XXXX, XXXX there was nothing they could do. 

Then XX/XX/XXXX, I began receiving harassing calls from XXXX, XXXX, XXXX XXXX XXXX, a law firm in XXXX, XXXX, informing me that they would be taking me to court to collect a {$45000.00} XXXX mortgage judgement against me on behalf of Bank of America. I informed them that this specific XXXX mortgage was settled in a foreclosure and therefore was exempt from collection. They stated that Bank of America considered this XXXX mortgage as a collectable debt. 

Finally, after months of harassing calls, mails and letters, I offered and Bank of America agreed to accept, a {$5000.00} payment to close this matter and on XXXX XXXX, XXXX, I paid this amount. 

I am presently attempting to apply for a new home loan and I am unable to do so because Bank of America is reporting this account as last active in XXXX XXXX, instead of 2 years and 9 months ago ( XXXX of XXXX ) when it was foreclosed upon. Repeated calls to various departments at Bank of America have resulted in no response to my request. My wife and I would appreciate any assistance you can provide us.
In 2014 I transferred service within XXXX XXXX XXXX communications from a traditional landline/internet package to a XXXX package. I was advised by XXXX XXXX XXXX at the time that my new bill for my new package would be prorated for the number of days left in my billing cycle that I had that account and that the remaining prorated balance from my previous package would be included. I have been informed by a collections agency, ( Enhanced recovery ) that I have a balance with them for an unpaid bill from XXXX XXXX XXXX for {$61.00} for said service. When I called XXXX XXXX XXXX about this, they stated it was a final bill for a closed account. I explained that the account was not closed by me and that the service was transferred. The agent indicated that they could see I was a customer in good standing and have been since before 2014. They indicated that the balance was not transferred before the account number was changed over to the new account number for the XXXX package and that this caused the issue. They told me to call Enhanced Recovery to request the debt be removed from my credit report. They also told me that I could pay XXXX XXXX XXXX directly for the amount owed. I asked if they could provide proof that I owed them this money and they could not because it was in collections. Once I called Enhanced recovery they indicated that I could pay them for the debt but doing so would not remove the issue from my credit report. They advised that only XXXX XXXX XXXX could do that. It is not my fault that XXXX XXXX XXXX did not bill me correctly and by their own records they show that I have paid all bills fully and am in good standing. XXXX XXXX XXXX has not yet provided proof that I owe them this amount nor have the addressed that it was their billing process error that resulted in the collections action for a bill I should have and did n't ever receive.
I got an intial loan of {$900.00}. The payments were {$130.00} every two weeks which I agreed to. I saw an option to push the next payment to the next pay period. I thought it meant I could start the payments the next pay period. Instead it XXXX the payment which I could not afford. Now they are saying I owe {$500.00} for a payment. Most of this fee is finance charges which they keep adding on every week. I asked for payment arrangements of {$50.00} and they are taking the payments but my balance keep going up {$100.00} everyweek. They are a tribal internet lender. I want to stop adding the interest and apply payments toward my balance.
-Opened account in XX/XX/XXXXand mentioned the {$350.00} new account incentive -Set up direct deposit ( terms of the incentive ) -Never received the incentive -Called Chase in XX/XX/XXXXand the service representative said we would not receive the incentive because a code was not entered when the account was opened
I was not notified at any time of these debts that I am being charged for by XXXX XXXX XXXX XXXX on XXXX. I sent a certified letter which I had tracked to see that it was delivered to the original creditor asking to get information regarding the XXXX accounts on XXXX/XXXX/XX/XX/2015, and never got a response from them. I also filed a dispute with XXXX to have these items removed off of my credit report because I do not owe these bills.
My loan is with Sallie Mae. I have an ongoing, terrible situation with Sallie Mae private loan department. I have spoken to several different customer advocates who have been able to help some but the last one I spoke with les me astray and now Sallie Mae says I owe {$800.00} immediately which I do not have. 

I took a private loan in XXXX 2013 so I could finish XXXX school and my father in law cosigned. Ever since my loan has graduated from the grace period, Sallie Mae always calls and harrasses my cosigner and NEVER contacts me. I have to speak with the customer advocate who has helped with payments but never handles the issue of my cosigner receiving XXXX % of calls and mailings. I have yet to receive anything. 

I have used my forbearance time and am having trouble paying. My husband has been out of work and we have recently moved to take new jobs and our income has yet to catch up. My cosigner is in poor health and does not work. I spoke with a customer advocate who said I could sign up for an income based plan which would take my payments from {$210.00} to {$68.00} which is much more doable. And would erase my late fees once I made three payments. I spent over an hour on the phone with her going over my financials, as did my cosigner. She then called back the next day and said she had to forward to financial for approval and asked me to go over my financials again saying that because I had a monthly deficit that financial would not approve me and we should try to change some things. I was confused and worried because neither myself or my cosigner have available funds. She said she would call the next day. We also set up two years of payments at the {$68.00} amount. 

It took her four days and when she called back she was very curt and said financial said between me and my cosigner we made too much for the income based and the payment would stand at {$210.00} and we owed {$800.00} back payment. She could not extend the amount or help with any postponement of payments. She also never addressed the problem of the reps calling and threatening the cosigner. 

I am really at a loss now. I do not have {$800.00} to get caught up and neither does the cosigner. I can pay the {$68.00} if I can get the income based payments. When I signed on originally I was told the payment was {$25.00} a month while in school and payments would be calculated once I graduated. One month they took {$25.00} and the next {$210.00} without warning or notice ( I was on automatic payments then ). 

I want a company where I can call and get solutions. Not rude customer service agents or advocates who ask me to change financials and then do not get approved.
I recently attempted to add a checking account to pay my bill on my credit card ( 2 separate cards ). *Platinum MasterCard ( XXXX ) *Quicksilver MasterCard ( XXXX ) Capital One stated the account was not valid so I asked to speak to a supervisor. The leader advised that my account was not active and I need to contact my bank about the matter. I stated I just used my account and its over 20 years old. The supervisor was helpful so we conferenced the call with my credit union, XXXX XXXX XXXX XXXX ( XXXX, Michigan ). They confirmed the information and even sent a letter to Capital One. I also sent the same letter twice and they have yet to add or respond to me. My payment is due tomorrow ( X/XX/17 ). This is unbelievable, I just want to pay these cards and close if they did n't hurt my credit. I 've never had to beg a company especially a bank to take my money.
My complaint is about Wells Fargo Mortgage handling of escrow accounts. I refinanced with Wells Fargo on XXXX of XXXX. You would think that they would calculate local property tax during the refinance and in the middle of the year, but they do n't. In XX/XX/XXXX, Wells Fargo tells me that I owe {$13000.00} in taxes to them because of an error in escrow calculation. So now I am forced to pay {$13000.00}, which I do n't have or {$1000.00} extra in Mortgage which is outrageous. I called the escrow department and they said they only do escrow analysis once a year and nothing could be done about it. Wells Fargo has had a bad reputation on how they deal with customers. My only problem is that this could be a nationwide issue. Wells Fargo is trying to get people to pay more on their mortgage leading to foreclosure or some default. This issue needs to be investigated. I have a good job, so I am barely getting by, but they might be hurting vulnerable customers. Bad and deceptive mortgage practices like this are hurting many homeowners in the past and now.
Citibank - AAdvantage credit card I was introduce to this credit card with a promotional offer of XXXX bonus points after spending {$1000.00} for the first three months.by CitiBank Personal Banker XXXX XXXX ( at XXXX, CA ) and he help me to submit the application. 

Letter dated XXXX XXXX from Citibank quoted " The promotional offer on your account allowed you to earn XXXX bonus miles after making {$3000.00} in purchases within three months of the account opening which is totally different from the promotional offered by the banker. I want CitiBank to honour their promotional offer. 
Even CitiBank is still offering similar promotion on website with {$1000.00} spending in first 3 Months with XXXX bonus points. 

Thank you. 
XXXX XXXX.
When i got married, i was with XXXX, and my soon to be husband was with XXXX. I was planning to switch to his plan, so i called XXXX to see when my contract was up, to which they replied " Your contract has been up for several weeks. we 've just put you on a month to month plan. '' So, in XXXX of 2012, i switched to XXXX. I paid my final full bill with XXXX and started paying for XXXX. Now i owe XXXX {$180.00}? After paying my last bill in full, and not having a cancellation fee? I feel as though i am being very wrongfully charged.
Equifax has taken longer than 30 days to complete an investigation. The XXXX and myself have made several contact to XXXX - and we have received no response.
Equifax told me that they can not allow me access to my credit report. I spoke with XXXX in the Office of Consumer Affairs. I informed him that neither I, nor creditors, could access my credit report. HE TOLD ME THERE WAS NOTHING HE WAS WILLING TO DO AND I JUST HAD TO LIVE WITH IT. I literally can not apply for credit and have no idea what is in my report. He offered to send me a copy of my credit report but this is not helpful because creditors still ca n't access the report. I DO NOT WANT ANOTHER COPY OF THE REPORT MAILED I WANT IT FIXED SO I CAN ACCESS THE REPORT ELECTRONICALLY AND SO CAN CREDITORS. This is my third complaint about the topic and Equifax never responds correctly, they just send another paper version. I have even been denied access to the report through Equifax itself so clearly they know what the problem is but refuse to fix it. Attached is a screenshot showing the denial.
My account for XXXX services I received from XXXX XXXX XXXX was placed at CRME Agency for collection. The information in my file contains my personal information including my XXXX. Recently I have noticed suspicious active on my credit report in the time my account was place in CRME Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with 45 CFR Parts 160, 162, and 164 Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California A.B. 964 and A.B. 964. I have made the request and CRME refuses to provide this information
I am in a loan modification through my mortgage company. 
When i started the loan modification, they told me I have to make my payments on time for 12 months and if I fall behind, they can foreclose. 
The loan modification took effect XXXX XXXX, 2015. 
Soon after, I started receiving notification that I was behind on my mortgage. 
I have made my mortgage payment each month like I am supposed to. 
I have called each month and each month they assure me it will be taken care of. 
Then approximately two weeks ago I received a phone call and the representative told me I was behind, I tried to explain to him that it is a book keeping error on their part, but he told me I was wrong and that I was 30 days past due. 
I have researched my payment history on their website and told them what they did is dishonest, but they wo n't fix it. 
They have no interest in fixing the problem, they want to foreclose. 
This is what they did : They took one of my mortgage payments and split it. They applied a large sum to the escrow account and put the remaining amount in a " suspense '' account. 
When I call in and say I want to make my mortgage payment and the representative processes it for me, how can they take my mortgage payment and split it up like that? 
My bank statement shows I have made all my payments, but they took my mortgage payment and applied it to things I did not approve. And where is the money in the so called " suspense '' account? I wrote to you months ago with another issue and explained then, that this is how Nationstar operates. They want to foreclose on our home and are pulling every trick in the book to accomplish their goal. I have contacted an attorney and he said we could join the class action, but it would n't happen quickly enough to save my home, but I could be compensated later. While I intend to pursue that, it does not prevent foreclosure on the home that my children have grown up in. Their growth charts are etched in the doorways, their names carved into the trees, their little footprints in the concrete, all the memories, everything will be lost. This company is disgusting. They are criminals. They are bullies. What is it going to take to stop them?
Wells Fargo keeps avoiding the issue. The most important aspect of deciding a Reverse Mortgage is understanding all that is involved in such an intricate complicated form of a home mortgage. They continue to produce everything other that the most crucial counseling documents such as, an approved Office of Elder Affairs Counselor, an opt in document, face to face counseling with an APPROVED Elder Affairs. The Counseling certificate that Wells Fargo has produced is not even valid in Massachusetts.
DUE XXXX due refusal to disclosed XXXX AS TRUSTEE ADDRESS on Account # XXXX, Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX. XXXX falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : XXXX XXXX, UT XXXX Ref. : XXXX XXXX XXXX Acc # XXXX Property : XXXX XXXX XXXX XXXX XXXX Fl XXXX NOTICE TO DISCLOSE XXXX AS TRUSTEE HEADQUARTER ADDRESS AND ITS CEO OR AGENTS The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request XXXX to produce/disclose the following information : 1. Release XXXX AS TRUSTEE Headquarter Address of the Mortgage Acc # XXXX. 
2. Release XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX XXXX and XXXX on XXXX XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX XXXX XXXX to XXXX or any other institution, previous of the purported one recorded on XXXX by crooked and disbarred lawyer XXXX XXXX and Bank of America. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) XXXX as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

XXXX, Fl XXXX XXXX
I have been locked out of my Citibank account for days. I can't log in with my user name and password, although I've logged in before and I'm sure the user name and password are correct. Then it asks me for my debit card number and mother 's maiden name, which I'm sure I entered correctly, and it still won't let me log in. I phoned Citibank two days ago ( Thu XX/XX/2019 ) and the customer service rep said that there was no problem with my account and no block on it. But I still can't log in and today received an email that my account access had been blocked. I suspect they're getting revenge because I filed a separate complaint recently. I tried the online chat with Citibank, but it won't let me chat unless I'm logged in and I can't log in.
I had a small credit card account with 5th third bank that I rarely used and had a XXXX balance on. At some point they charged me an inactivity fee but NEVER sent me a statement via Email ( how my account was set up or us mail ) Causing me to go 30 days delinquent I caught this because I got turned down for credit and I got a copy of my credit report. 
I called 5th 3rd and sure enough they told me abut the issue. I Arged with them and they reversed all fees Late and inactive and closed the account for me. I asked if I was goinng to still be considered 30 days late ... They said no so I waited and ordered another credit report to find they still had me reported as 30 days late. I disputed the report and they responded that the reporting was accurate. I am attaching a statement to show they reversed the fees. I want my credit report restored to a never late on this account and I think 5/3rd should pay me {$200.00} for my time and inconvenience in fixing this
I pulled my credit report and showed a tradline from Capital One. i have never applied or had an account with Capital One I have made a complaint with Capital one before advising them i was a victim of ID theft and no account should have been opened in my name. This has been addressed but yet im still having problems
I have been making payments on my private student loans since XX/XX/2012. I believe the first 2 years were going to be interest-only payments. However, I was doing research into my payment history today and found that ever since then ( approximately 5 years ), my payments are inconsistently applied to interest and principal. For example, if my payments are made on time, {$0.00} of my payment is applied to the principal and all of the payment goes toward interest. Many payments are showing that {$0.00} or some other small fraction of my monthly payment has actually been going to pay off my loan. Because of this, it ends up that on one of my loans, I have only paid {$550.00} in actual loan debt since my payments of about $ XXXX/mo on that loan began XX/XX/XXXX.
TD auto reposessed my car, auctioned and recovered in full. I was told no balance was owed to them however on my credit report they are still reporting a balance of {$6400.00} continiusly and now trying to call and collect on the debt that I do NOT owe ...
Around 3 years ago I was contacted by an attorney about a class action law suit against Sallie May, now called Navient. The law suit claimed Navient to be guilty of predatory loan practices, which made sense as my student loan interest rates were around 10 %. Navient was served with a cease and desist on collecting debts from me that was signed by a judge. The lawyer asked me to stop paying my private loans. I did. I was never contacted by Navient since that letter, so I know they received it. 2 years go by and the lawyer stops helping me, taking nearly {$4000.00} of my money. I realize her advice has been terrible. I file a complaint with the California state bar. Since then she has been disbarred for her actions. Around a year ago I contact Navient and explain the situation. They said if I sent them a letter and paid my bills off including their fees that I would be fine. This past week I find out they have 2 reports that I defaulted on my student loans, even though I paid all my bills off including fees and have been paying them what I owe every month online. Their website says I am current on my statement. I call multiple times attempting to resolve this situation, repeatedly being told their is nothing they can do. They still send me a bill every month for the private loans, even though they have written the debt off and set it to a collection agency. At the least their actions are highly unethical.
On or about XX/XX/XXXX, I opened a certificate of deposit with Discover Bank under the XXXX XXXX XXXX promotion. I was supposed to receive a {$50.00} credit for depositing {$2500.00}. The credit was never applied. I have contacted Discover Bank over the last 6 months several times and was promised that the matter would be investigated. I received no response. On or about XX/XX/XXXX, I contacted Discover Bank again and received a response from XXXX, stating that I did not meet the funding requirement of the promotion and that I needed to fund {$2500.00} in one transaction. I deposited two {$1200.00} deposits, two weeks apart. I advised XXXX that the terms and conditions of the account and the promotional flyer did not specify that the {$2500.00} must be funded in one transaction. I request CFPB assistance as I have not been able to resolve this matter directly with Discover Bank.
I am the co- signer for my son XXXX XXXX private student loans. Over the course of time I sent money order payments in to pay off the loans I co-signed. I specified with the payments that they be applied to the loans I co-signed and to the one with the highest interest rate first. Some of the monies I sent was applied to other student loans that my son had which were Federal Loans and I did not co-sign. I did not keep good records of the payments I made and my son lost his job and stopped making loan payments. I have called XXXX XXXX and Navient numerous times to try to go over the payments so they could apply them properly. I have spent hours on hold waiting to get to the right person and then promised that they would get the information together and call me back but they never do. They have since sent the dept to a collection agency and they are calling me for payment. I am pretty sure that I have paid more than I co-signed for and I need them to give me the loan history so that I can tell them which payments I made that were not applied to the loans I co-signed. They have also reported to the credit agencies that I am delinquent and ruined my credit. I have a small business and rely heavily on my good credit standing to buy merchandise.