WillisBack/dataset-financial-user-claim huggingface dataset:
The company intentionally and systemically creates barriers to payment processing causing delayed payments and negative credit reporting. The payment processing website used by this mortgage servicer was constantly offline on  XXXX   XXXX ,  2017 , which was the last day to make a payment before my account reported  as a 30-day l ate. The hold times with the customer service department were extensive and I was not able to get an agent on the phone to pay over the phone. On the following day  XXXX   XXXX ,  2017  I was able to log into my account but the payment portal stated that payments can only be dated until the prior day  XXXX   XXXX ,  2017 . When I finally reached a call center agent, they advised me that it was a known glitch on the  XXXX  and  XXXX  of every month their system stops accepting payments online. The only way to process a payment was with that agent but they would charge an additional {$20.00} convinience fee. This is not a convinience when all other methods of expedited payment are turned off because of their glitch. I believe this organization intentionally and systemically causes customers to accrue additional finance charges, and turns off payment options when customers are pressed to make a payment in ord er to drive them into a payment option with a {$20.00} charge to make more money off their customers.
I sent a credited letter return receipt 2 weeks ago addressing Equifaxs incorrect information on my report. They are reporting a fraudulent account - XXXX and removed my freeze I was entitled to and had before my last name changed! This was a file mix and they must remove the XXXX account and credit inquiries that are fraudulent and not authorized by me! I've filed a FTC report, numerous police reports, and the attorney general. I demand they block the fraudulent account and reinstate my freeze.
XXXX XXXX reported a debt ( {$140.00} ) to my credit report as an unpaid debt - chargeoff/write off. It has negatively effected my credit. I have never done business with this company, nor have I ever heard of them prior to when I tried to fix my credit. 

I learned about this erroneous notation on approximately XX/XX/2017, i hired a credit repair company to dispute this entry and have it removed but they will not budge.
My complaint is with I.C System who is trying to collect on a XXXX XXXX account from XX/XX/2014. This account was already removed off my credit report and now has been put back on my report which is illegal. I will report Credit Protection to FDCPA for committing illegal collection activity by adding this back to my credit report
PennyMac purchased my mortgage from my original lender a few months after I purchased my home in late 2013. Since then I have experienced numerous issues with Pennymacs loan XXXX They overestimated in XXXX year and underestimated in the next year the amount of money I would need in escrow to cover my mortgage and property taxes. This put a significant strain on my finances when I realized that my new monthly mortgage payment would be nearly {$400.00} more per month than it had been at the origination of my loan and XXXX later my payment due skyrocketed from {$1400.00} a month to {$1700.00} a month. I was made aware of this a month before the new payment was due which is not a significant amount of time for any household especially a single income household. This put a significant strain on my finances. In addition I 've noticed in the last XXXX months that even though I mail my payments in a week to two before they are due, because of PennyMacs extremely slow payment processing times they always process my payment after the due date and punish me by charging me a late fee when it is not my fault. Even when I mail in the payment for the monthly payment and late fee the next month it will show that the late fee was never paid. When clearly the checks I 've been mailing are for significantly more than the minimum payment due. And I specify on most of the checks that the late fee is included. These predatory lending practices are unfair and I could see them leading to loan default for most consumers if an adequate financial cushion is n't maintained on a monthly basis to cover for Pennymacs deceptive loan practices.
I had applied for a HAMP Loan Modification with Nationstar Mortgage, during XX/XX/XXXX and submitted all the required docs from time to time. Initially they refused to consider me for a HAMP Loan Modification, because I did not default on my Mortgage Payments. However I sent the attached letter dated XX/XX/XXXX, through CFPB. They responded to this, through their letter dated XX/XX/XXXX ( copy attached ) expressing their regret that they did not evaluate me for a HAMP Loan Modification and assured me that they are going to do this. However, their attached letter ( dated XX/XX/XXXX ) of rejection came as a surprise to me. It simply says, '' Insufficient Payment Reduction '', as the reason for denial, without giving any specific calculations whatsoever. According to me, if the 4 Standard Waterfall Steps of HAMP are followed, there can be about 32 % reduction in my Monthly PITI Payments.
We are currently living in a hotel situation vouchered, we been threatened with the selections ive made including damage to credit, future locations and privacy. 

We have filed for bankruptcy, and do not have any money or discussion with anyone since XX/XX/2012 on how we can altleast get out of the violence from tbe housing crisis On numerous occasions including today, we have no resilience against the money received and recently stolen from us from a place were we only use for luggage sleeping bags and food storage. 

We had about XXXX stolen from us in just seconds. 

No reciepts no identification, harrassed hassled in public and private area were we pay for privacy ... each address is never kept safe of confidential, no cooperation on anyones part. 

XXXX California, we currently are working on changing our unit but each time there's an issue with controversy. 

I would appreciate if atleast someone can help us get the money from those who stole it, while were we only using places for sleeping bags, luggage storage and food storage. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Applied for a credit card with Bank of America on XX/XX/XXXX and was denied. A few days ago I sent an email to the executive office asking for my application to be reconsidered. Today I received a call from a gentleman called XXXX. He said they would review my application again. I was asked to verified some of the financial information I had provided during the application and I did. XXXX said to hold for a few minutes while he took a look at the application. Immediately I received an alert from XXXX that my credit file had been accessed. Once XXXX came back to the line I asked why he pulled my XXXX  report and his response was " because once it has been more than 30 days from the original application we need a new report. '' Neither him or Bank of America had my consent to access my report. I was never asked for permission and I never verbally agreed to it. Application ID XXXX.
My name is XXXX XXXX and I have been a Bank of America XXXX member for over 10 years. 
I am submitting a request to rescind partial payment in the quantity of {$1100.00} for a transaction placed on XXXX XXXX, 2016. Bank of America has refused to pursue this dispute. I have submitted complaints and refund requests twice to Bank of America. None of my notes were included in my complaints or requests. I was not able to upload information to my dispute file that could have helped transaction agents decide upon this issue. 

This transaction was for XXXX XXXX treatment with XXXX XXXX XXXX, an online XXXX practice headquartered in XXXX, TN. The company takes your XXXX molds and creates XXXX aligner trays to  straighten teeth. Like braces, XXXX treatments are slow and take several months as teeth are slow to move. 

XXXX XXXX XXXX did not inform me that my case was outside of XXXX 's treatment specifications at any point prior to the end of my treatment. I was not informed during my pre-enrollment, my case approval, initial treatment, or any of the refinements that my case could be outside the scope of their treatment. I was informed after 1 year of treatment- leaving me without any recourse of monetary recovery or dispute coverage from my bank. 
Because of XXXX XXXX XXXX treatment plan, I went to a local XXXX for a diagnosis. My XXXX reported that XXXXs plan has caused XXXX damage, pain, and XXXX  erosion which needs to be treated. None of these complaints have been acknowledged or pursued by the company. 

I am not the only patient that has experienced issues and asked for refunds from this company. Several complaints have been issued by the Better Business Bureau ( BBB ).  There are complaints about communication and quality of service all over XXXX and their homepage on social media. 


I would like Bank of America to pursue the transaction dispute against this company. I feel taken advantage of by both Bank of America AND XXXX XXXX XXXX. I would have hoped that Bank of America would protect us customers. Sadly, I feel that this bank has not done so.
Dear Sir, It has been communicated to Trans Union that my Name to be mentioned correctly as per the social, DOB and various identification, there is no dot or punctuation marks in the names, and respective credit bureaus responded me back with written response that name is printed correctly. Trans Union did not address this concern, which was raised in my complaint and also communicated to trans union multiple times. I also ran the credit report on XX/XX/XXXX and still appearing the dot/punctuation mark after my middle initial, which needs to be corrected to avoid fraudulent activities and identification theft issues. Could you kindly direct TU to remove the false address with wrong street and apartment number in the credit report generated on XX/XX/XXXX. I sincerely request Consumer Finance Bureau to refer complaint to federal officer as TU has kept on reporting false details in my report even though Consumer Finance Bureau directed Trans Union to correct my personal details [ Attached the report generated on XX/XX/XXXX ].
I have a loan with MODERN FINANCE COMPANY. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and MODERN FINANCE COMPANY with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/XXXX, XX/XX/XXXX
This is concerning a debt I found on my credit report last summer ( attached ). I tracked down this debt as a bill from a joint account before I filed and went through an ugly divorce XX/XX/XXXX. There are XXXX anomalies on my credit report concerning this debt. I attempted to resolve this debt XX/XX/XXXX when I started a debt management program with XXXX and was unable to locate the owner of this account. I have not received any written correspondence regarding this account save the return of the letters I 've written this year. ( I received almost no mail XX/XX/XXXX due to it being forwarded by the person XXXX I was divorcing ). I have tried calling this creditor at least four times last year - leaving messages that were ignored, and wrote letters on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX trying to resolve discrepancies on my credit report regarding this debt. With each letter I included a check for the full amount beyond the discrepancies. Each of my letters and checks were returned without any response save an enclosed sheet with their address on it ( attached ). The XXXX discrepancies I need addressed are : * ( 6 monthly payments of {$94.00} from XX/XX/XXXX-XX/XX/XXXX not deducted from the balance principle. 
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.
I have applied for a new job. The company completed a background check. My mortgage company has reported me late XXXX for 5 months. I had requested a modification due to my husbands XXXX. It was to take only 3 months at the most. It took 6 months, as the mortgage company stated they need to start over. I made the newly scheduled payments on time or early as instructed by the documents I received. I have a payment history that shows I made my payments on time, yet the mortgage company shows them late. The mortgage company was XXXX XXXX, now called XXXX XXXX. 
In addition, XXXX XXXX is reporting to late accounts. Unfortunately I had to file BK. It was discharged XXXX/XXXX/XXXX. This should also not appear on my credit report.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 
These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX
I received my bank statement from bank of America on a XXXX that I recently opened. This card was supposed to help rebuild my credit. I put {$500.00} on the card. When I received the statement there was a {$39.00} annual fee that I was not informed about when I opened the account and a {$10.00} bank transaction fee? I called and spoke to several people as I kept getting transferred. First I 'm told I could have it waived. Then I 'm transferred to the wrong department and then told no it can not be. And no one could tell me where the {$10.00} transaction fee came from. I closed all my accounts. Horrible customer service. No wonder they 're listed as XXXX of the worst banks in XXXX.
I have two credit card accounts with Capital One. On XX/XX/XXXX at XXXX PT I contacted Capital One to advise that I might make my payments a few days late for my XX/XX/XXXX due on both accounts, due to a recent auto accident that has impacted my financial situation. I also told the representative that this situation is temporary. The representative advised me that she would enroll me on a program called 3 month fee suppression, that would suppress late fees for three months. She did not give me any details on the program and just told me that a letter explaining the program would be mailed to me. After disconnecting from my call I decided that the program was not something I needed or wanted, and contacted Capital One again at XXXX PT and requested to the program to be removed from my account, since it was not something I wanted or requested and my call was only to advise Capital One that my payments will be made a few days late and I will be responsible for late fees and I was told that I could not be removed or unrolled from the program. Today I contacted Capital One again at XXXX PT and first spoke with XXXX ( supervisor ), then with XXXX ( manager ). Both refused to remove the program from my account. XXXX told me that as long my account is current I can be unrolled from the program. She confirmed that as of today XX/XX/XXXX my account is current, so I asked again, since my account is current if can she take me off this program and she still refused to remove the program from my account.
I contacted Waypoint Resource Group on XX/XX/XXXX around XXXX. I spoke with a female representative about an account on my credit file that doesn't belong to me. My XXXX  credit file reported this incorrect information on XX/XX/XXXX. The original creditor is listed as Waypoint Resource Group. The account was assigned to them on XX/XX/XXXX. The original amount owed and the amount listed is {$1200.00}. The status is unpaid. The balance date is XX/XX/XXXX. The account designator code is listed as INDIVIDUAL_ACCOUNT. The account number is listed as XXXX. The creditor classification is cable or cellular. The last payment date is blank. Date of first delinquency is XX/XX/XXXX. This is the information listed on my credit file. The female representative I spoke with today attempted to look up the account using my first and last name and the amount owed. She stated that nothing is coming up under my name. I informed her that the information was added to my account on the date listed above. She insisted that I provide her with my full social security number and that was the only way she could look up my account. I told her that I would only give her the last four of my SSN. She stated that would not be sufficient. I disputed it with the creditors and this information hasn't been removed from my file. I don't owe anyone this money for anything. I have only one creditor who I do business with and that is XXXX XXXX. I would like this dispute reviewed, addressed and removed from my credit file immediately. This is fraudulent and inaccurate information and I do not owe this money. Thank you.
I have a business account with Bank of America and on XX/XX/XXXX they charged me a {$35.00} NSF fee for a {$9.00} transaction. When I logged into my business account there was a balance of {$18.00} which was enough to cover the {$9.00}. So when I logged into my account the next day there was a NSF charge for the transaction. 

I called Bank of America on XX/XX/XXXX and asked why was there a {$35.00} fee. The representative and the supervisor that I asked to speak to me told be that there was a hold on money in my account from XXXX and XXXX. He said XXXX had a hold on the money for 5 days. I asked them that if there's a hold on the money then why is it showing an available balance of {$18.00}? How am I supposed to know that the money is not available? The supervisor basically told me that it's my responsibility to know what is coming out my account. I was done with the supervisor and hung up the phone.
My complaint is against BB & T. The story begins back in XXXX of XXXX with my attempts to contact them to refinance my XXXX and XXXX mortgages because I knew that in the coming months I would not be able to afford both mortgages but might could if I combined them into XXXX. Despite numerous attempts on my part to get someone to contact me a out a refi, the time came when I was XXXX month away from having no more money to fall back on to make my regular payment. So I contacted their collection department to let them know about the impending doom. Since i was still current they could not help me, which I already knew but didnt know who else to call, so they transferred me to their loan modification department. I explained my story again and was told they could n't help me until I was already behind. I explained to them that XXXX Bank held the XXXX mortgage. They said do t worry about them because since they were in second position they couldnt take our house. When I finally had no other choice but to get behind I called their loan modification dept again. To make a long story short, after filling out the same exact paperwork XXXX TIMES and having them tell us on the XXXX XXXX attempts that they never received it, on the fourth attempt my husband stayed on the phone with an actual person until he received it via fax at which point we were told foreclosure had already been started and there was nothing that could be done. OF COURSE NOT!! 
Since that time which by this point was I think late XXXX, keeping in mind that I had to file BANKRUPTCY in XXXX to make this " go away '' or so I thought. Since that time they have " foreclosed '' on this house XXXX TIMES, didnt know that was even possible. XXXX of which were after I filed the chapter XXXX BK and they did send letters to us and run our names in our local paper each time. At the third attempt of their attorney contacting us, we had an attorney friend of mine send them a cease and desist letter. To NO ONE 'S SURPRISE they changed lawyers and contacted us AGAIN. They are going to run it in our local paper AGAIN! 
I will say this with 100 % honesty ; if I had known back in XXXX that it would take them this long to get their ducks in a row, I would have just lived for free in that house and AT LEAST it would not be in the shape it is in after having set for FIVE years basically unattended. 
This is ridiculous! It is unprofessional to say the least! I have NO CLUE how it is not perceived as harassment because LET ME ASSURE YOU I feel harrassed! Especially after I made every good faith effort I possibly could to work this debt out before it got to the point it did. 
The damage has already been done to me and my family by these .... People! Please investigate their heinous business practices and stop them from doing this to others.
Hello dear cfpb I have XXXX XXXX XXXX Credit Card over year and i called to get credit limit increase and my request was declined based on phony fact that i am not using my card. I can not use more then 20 % of my card limit because it will have negative effect on my credit since my card credit limit is only {$5000.00} which is laughable because my XXXX XXXX credit shows i have fico score XXXX and i have credit limit {$99.00} with other creditor. I really think it not fair to not be able to get higher credit limit because i have great credit both business ans personal and i very good income and business revenue. 

thank you
Says I owe {$1100.00} for a XXXX XXXX mobile home park but I dont know where this came from and from the look of things they have the wrong year for my date of birth and it keeps disappearing on my credit and popping back up.
This company, Vision Financial, keeps calling from different numbers trying to force me to verify personal information. They want my social security number and address. They will not stop harassing me.
On or about XX/XX/XXXX Portfolio Recovery Associates, LLC., a collection agency and I settled a collection in full. The account was paid completely without a reduction on the principal balance. The amount was in excess of {$18000.00}. During the negotiation, they falsely claimed after the account was paid in full they will remove all records from all three credit agencies. They did with XXXX and XXXX, but not XXXX. This practice creates severe financial hardship and is misleading. I tried to reason with them. They made a false promise.