WillisBack/dataset-financial-user-claim huggingface dataset:
I went into key bank opened a new account put {$50.00} bucks in as required to open the account the very next day they block my account. so after multiple days of calling I was advised due to bad banking with key back over 5 years ago they were closing my account the issue is when I first tried to open an account with key years ago they did the exact same thing opened the account said my credit was to bad blocked it and charged me fees. Not being allowed to have the account is fine but they charged me {$24.00} for checks even though they immediately block the account and I want my money back I cant use these checks they should not have proceeded to open the account if they were n't going to approve me im sick of being XXXX by key bank this Is the second time I never even had a chance to use the fist account because they did the exact same thing so I cant see how that was considered bad banking. then they send me a letter telling me they might report this as negative on my credit no way worst bank ever
Informed by CHASE bank that the servicing rights to my mortgage loan was to be handled by another company and as of XXXX XXXX, 2015 they could no longer accept my mortgage payment. Also, informed by CHASE bank that they were missing a payment that I show through XXXX XXXX XXXX the payment was negotiated ( cashed ) as all payments are sent through credit union. CHASE bank also increased my escrow requirements more than XXXX just before the transfer and did not justify. I made contact with local tax office and insurer and the billings do not justify the increase. CHASE letter provided a number and address of XXXX and the contact information failed to produce a person to speak with only a recording of information that is to come at a future date. CHASE says they can not correct the records even with proof as my account is now with this company that is only represented by a recording that goes into a continuous loop. CHASE sabotaged my mortgage account and forwarded my loan to a closer ( forecloser ) with incorrect information and refuse to provide the details of their inappropriate action.
Original Creditor Name XXXX is incorrect as I have never signed an application with any company named XXXX, There was an account I paid off that was a XXXX account it was posted on the XXXX account as AFNI and then as XXXX AK.A XXXX opened in 1998 ended as the phone was recalled and they did not want to replace it but - This account was paid to AFNI Acct # XXXX this is A PAID account that has been re-aged several times it is more than 12 years old.
The following account below was closed on XX/XX/2011 has a {$0.00} balance and has past the seven year SOL and should be removed from my credit report.

XXXX XXXX # XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX
In XX/XX/2018 I had called into National Recoveries Incorporated who is collecting this debt on behalf of the US Department of Education. After speaking to them that day I advised them to not call my cell phone XXXX as it is a work phone that my employer pays for. I again called in on XX/XX/2018 to gather some information and before hanging up, again advised them they could not call my cell phone. Then on XX/XX/2018 I called in to see how much it would be to bring my account current. While speaking with a representative I received a call from National Recoveries Inc. XXXX XXXX Ext XXXX called me while I was speaking with National Recoveries Inc. What was odd is that the number she called from was XXXX area code so I am not sure if they were making sure I didn't know it was them. But after asking she advised me she was with National Recoveries Inc. I advised her that I was already speaking with them and advised her that she was not allowed to call my cell phone. This clearly violates the FDCPA as XXXX at ext XXXX said she showed my account as cease all cell phone calls as I had told them the previous 2 times. At this point I can either take this to court and have my loans dismissed with additional FDCPA fees and or they can put my balance to XXXX considered paid in full with no tax burden on myself.
We currently have a 15 yr FHA loan with Loandepot. We started a refi to a 15 yr conventional loan to remove the MPI. We finally signed loan docs on XXXX XXXX, 2015 and was supposed to fund by XXXX XXXX. We were told not to make our XXXX payment. To date, it has still not funded. I instructed them not to do an appraisal unless the loan was fully approved. An appraisal was done in which we paid {$390.00}. I finally made my mortgage payment as not to be in a 30 day late status with the credit agency. I have spoke to our loan officer as well as his manager and still can not get an answer. They have held us up from refinancing our loan with any other lender because we would have to pay out of pocket again for another appraisal. Also, we would not be able to get the interest rate ( 3.25 % ) which is what the interest rate was at the time we started our refi. I have never heard or experienced this action. I always assumed once loans docs were signed and notarized that the loan would fund by the date indicated. What can we do at this point?
In the mail today, Thursday, XXXX, XXXX, XXXX, received a validation letter, no date indicated, regarding an account that was incorporated in a Chapter XXXX Bankruptcy filing back in XXXX, XXXX XXXX Florida, and subsequently discharged the same year of XXXX. 
The amount indicated {$5300.00}
XXXX   XXXX   XXXX  you lied to me when you stated you had nothing to do with   XXXX   XXXX   and that you know nothing about the  XXXX   XXXX ,  XXXX  letter from  the OCC. Also  you have nothing to say about the current resident   XXXX   XXXX   and   XXXX   XXXX  . A mortgage from ch ase Manhattan wa s registered to my name on  XXXX / XXXX / XXXX  that i s five  months after he convinced me to move out claiming he bought the house from   XXXX   XXXX  . THAT MORTGAGE IS IN MY NAME AND I AM OUT OF THE HOUSE.  <P/> I have a letter dated  XXXX   XXXX ,  XXXX  from chase home finance llc.loan #  XXXX  fro m your executive resolution group with CC. TO The Office of the comptrolle r of the Currency, case  XXXX . This is what the letter dated  XXXX   XXXX ,  XXXX  from th e OCC are refe rring too.  <P/> Please explain to the CFPB.  <P/> I see on  XXXX   XXXX  full detail public record where I taken out the loan from  XXXX   XXXX   XXXX / XXXX / XXXX  but I dont see where from  XXXX   XXXX  how ch ase Manhattan Mort gage got back on the chain. Please explain in writing to the CFPB. Produce to them in writing and I will get the reply from them.
I reviewed my transunion credit report today and noticed that there have been XXXX hard inquiries put onto my report. Some of these are from XXXX ( which should not be on being it 's XXXX XXXX XXXX ). The other one 's are from XXXX. I immediately called transunion and was told they ca n't remove hard inquiries that I need to contact them directly. I tried to contact them directly but have no phone numbers. I have not applied for credit in a few months now as I am trying to increase my score and having any inquiries will affect my score. I am submitting this complaint because I did not apply for any credit with any of these companies plus as I mentioned earlier some of them are from XXXX that were just put on today. This is unheard of and transunion will not help me.
I have a hard inquiry from XX/XX/2018 on my personal credit when I have a XXXX XXXX XXXX. I want to have this inquiry removed. From Bank of America
We have never had a loan with HSBC XXXX. When I phoned XXXX and inquired WHY this is on my report and WHAT is it - they basically told me they purchased the debt account from HSBC and did n't have full details available to share. That is unacceptable. 
This is very unfair to have this negatively impacting my credit score.
On about XXXX XXXX 2015, Barclaycard closed all my credit cards unexpected and about XXXX points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fee on my Arrival+ card and just lost all benefits I should enjoy upon the account closure.
I have disputed this account a couple times. XXXX falsely charged me back in XXXX resulting me to switch my service providers. The account was closed in XXXX. Years later, XXXX, reports to the credit bureaus. the information on my report says that they 'started reporting ' in XXXX ... not XXXX when the account was really closed. and it also states that it was closed in XXXX not true. I settled with them under the impression they would remove the file from my report. but now only are they refusing to, but they have since updated the info on my account as of XXXX. I am in the process of drafting a XXXX, if they will not cooperate and remove the closed and untrue file from my report. 

XXXX XXXX XXXX was the cell number. 
***********
ReliaMax created obstacles to fair repayment by providing bad information about forbearance and deferment. For ReliaMax, they mean the same thing. See attachment.
Normally, a forbearance is an option if the student is not eligible to postpone payments using a deferment. ReliaMax refused to offer deferment as per terms from XXXX XXXX. Original lender : XXXX XXXX Loan / XXXX XXXX XXXX ( XXXX ) Acquisition by another lender : -- -- a bank in the middle of US. I do n't remember the name.
Original servicer : XXXX XXXX ( XXXX ) servicer 2 : XXXX XXXX XXXX XXXX XXXX servicer 3 : -- -do n't remember -- - it was for short time servicer 4 : XXXX XXXX XXXX XXXX 5 : ReliaMax
I received an email from my bank ( Wells Fargo ) telling me that I would be receiving a new credit card because my card " may be at risk for unauthorized transactions. '' I called to ask what caused the bank to take this action. Someone at the Wells Fargo Fraud Department told me that there had been a financial data breach at one of the merchants I had done business with. I asked for the name of the business, but was told that " XXXX does n't supply that information to us. '' He said that after the whole XXXX episode they do not disclose company names. How is this legal? Do n't I have a right to know who made my financial information vulnerable? 
Now I have to contact all the companies where I have automatic deductions to update my financial information. It would seem that XXXX, and possibly Wells Fargo, is n't interested in protecting consumers as much as it is in protecting the shoddy security of unnamed corporations.
Bank of America refuses to add beneficiary to accounts for attorney-in-fact presenting duly registered North Carolina durable power of attorney.
Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be updated.
This is the second complaint i have had to file against navient ... last year and again this year about income based repayments. They dont respond, push forbearance and after sending in a pay stub for income reduced payment, I received an email saying they needed more info and they were sending paperwork for me to fill out. 1 month later and after sending them an email and asking where my paperwork was i still have had no response and after working so hard to increase my credit score im endanger of it being once again messed up by navient because i cant afford {$500.00} in addition to the {$180.00} im already paying. I make {$400.00} a week. Navient still isnt trying to make things right for their customers. Nothing has changed with this company. XXXX XXXX XXXX
Equifax is not allowing me access to my once a year free credit score that W. George Bush passed a law in 2008 stating that we are allowed one free credit report and score each year by law. Equifax nor XXXX, nor XXXX are allowing this to occur. I guess paying XXXX XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the American people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the American people do the right thing and make a change.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX/XXXX   XXXX : XXXX XXXX : XXXXTransunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX.
I acquired a XXXX personal loan with Springleaf Financial, I was told the interest rate would be 27 %, my first statement had XXXX on it, I called and was told this was due to 48 month term. I wanted to received an accurate statement and was told that was how the statements were. I asked for the balance and realized that after paying XXXX my balance had not decreased, I was then told I would have to pay at least XXXX before I would see a decrease in the principal. I was then told the interest is pre- calculated based on rule 78, I was never told about this prior to signing for the loan, I believe I am being charged a very high interest rate and I would like to know if it is legal for Pennsylvania , I searched on google and it states this is no longer legal for loans to be pre- calculated, please advise
This complaint is about EQuifax I contacted them in XXXX about an account on my file from XXXX XXXX XXXX the contract for this account has been cancelled now they sent me paperwork on XX/XX/2018 stating that it was not reporting thats not an answer and it needs to be removed this is my fifth time disputing this and nothing is being done the contract has been cancelled
I requested a freeze on my consumer report from LEXISNEXIS due to the XXXX breach three weeks ago and never got a responce
From outset of lease in XX/XX/XXXX, we repeatedly tried to have XXXX XXXX debit our account for the monthly lease payment. In XX/XX/XXXX, we sent XXXX the appropriate form to complete the transaction. Later we were told that this had been processed. As an elderly couple that occasionally travel, we assumed the matter was settled. Instead when we arrived home in early XXXX, we had been billed double the lease payment plus late fee. This indicated XXXX had not drafted our account. Promptly we paid their invoice and again went through the troubles of setting up this drafting. 

Driving 50 mile round trip to the XXXX facility in XXXX from where we had leased the car, the financial officer instructed us to again complete and file a draft authorization. Meanwhile XXXX notified us that we had to pay 100 % of the remaining lease immediately. 

Although the matter was finally settled, XXXX reported this to the credit bureau with the result that our good credit rating was adversely affect. I wrote to XXXX appealing this unjust treatment only to receive a reply from them refusing our appeal.
My husband has a bill from a hospital. I am not a guarantor or responsible party as far as hospital is concerned. Debt Collection company added me on the bill and is reporting to Credit Reporting Agencies that i am in collection. They said California is a community property state so my husbands debts are mine also and they wo n't take my name off.
I received a letter stating the following ... 
according to our records you failed to appear in court as ordered on XXXX XXXX 2015. As a result of your failure to appear, the court has ordered that a bench warrant may be issued and sent to the sheriff with bail set in the amount of {$250.00}. At this time, I am extending you a 10 days from the date of this letter to contact my office. If I do not hear from you within that time, I will consider having the warrant issued. Please conduct yourself accordingly. Yours truly the Law Offices of Edwin B Perry attorney for XXXX XXXX XXXX XXXX this communication is from a debt collector this is an attempt to collect a debt any information obtained will be used for that purpose. 

I contacted phone number XXXX XXXX XXXX and was transferred to XXXX who stated he was the case manager and his phone number is XXXX XXXX XXXX. 

I offered a payment of {$150.00} and monthly payment of {$40.00} a month. He stated that this was not acceptable and that they would be moving forward with the bench warrant if I do not contact them within the 10 days and make a payment that would be on their terms.
I received a solicitation/promotion offer in the mail from Chase Bank in XXXX, 2016. They offered to give {$300.00} ten days after opening a new account with direct deposit. I opened a qualifying account on XXXX XXXX 2016. The branch officer filed the form to social security to change my direct deposit and gave me a copy. She told me that when my direct deposit changes and is credited to my new account, I will receive the promised {$300.00}. After waiting until XXXX XXXX, allowing for the time the form she gave me said it may take to process, I called Social Security to inquire why the change did not happen. I was told that the form submitted by the bank officer did not " go through '' but I could do it right then on the phone. I went to the branch a few days after calling SS and showed my confirmation documentation. My direct deposit was changed to Chase in 3 weeks and credited to my new account on XXXX XXXX 2016. When I did not receive the promised {$300.00}, I contacted the branch and after two e-mails was called and told that the " promotion period had ended and I would not be getting the {$300.00} ''. I did receive a phone call two weeks earlier from the branch informing me that she was " looking into it and it appeared that the wrong type of social security payment was entered and that may be the reason it did not work the first time ''. The branch officer who opened the account did ask me what type of payment I received in which I replied " XXXX XXXX ''. As I am not age eligible for retirement benefits, she should not have entered that when filling out the government form. I did everything Chase Bank required to receive their promotional bonus of {$300.00}. I do not believe I should be penalized for their employees error. Chase Bank knows the Social Security system can work very slowly and it even says right on the form she gave me to " allow 4-8 weeks to complete '' so again, I should be given the {$300.00} as promised. 
Thank you
I was a student at XXXX XXXX in XXXX, Montana. During my time there I was enrolled in a special program called XXXX. The college, without warning, dropped the degree field overnight not allowing students to finish. The degree was not transferable. I am now stuck without means to pay off the loans and no way of finishing a degree to pay them off. I have been duped. There is no means to my knowledge to have my loans relinquished which is of very poor taste. Please HELP!!
I have disputed the issue regarding XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX with Experian in XXXX. XXXX XXXX has been contacted several times regarding the fraudulent reporting of a debt that they deceptively contrived due to misrepresentation of a sales person that we tried to contract with. We were told we could discontinue service at any time and the agent we were working with was actually using the credentials of her husband. The fraudulent agents are no longer emp [ loyed by XXXX XXXX XXXX XXXX due to their illegal, fraudulent methods of " slamming '' people into contracts. I 've asked for the erroneous " hard hits '' to be removed from my credit report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and yesterday XXXX/XXXX/XXXX only to be told by XXXX XXXX supervisor XXXX XXXX that they were going to pursue litigation. The fact that these swindlers have exaggerated the amount due and that they continuously harass me by hitting my credit report should be unlawful. They have written to me and I have responded within 30 days with certified mail of them receiving my documents and STILL continue to ignore the fact that they are chasing an illegal, fraudulent, exaggerated amount of debt. I ask that these people get reprimanded for their abusive harassment of my credit and my time.
XXXX took over servicing my home loan on XX/XX/XXXX from XXXX XXXX ... Letter was sent XX/XX/XXXX stating to now pay XXXX per bankruptcy court starting in XX/XX/XXXX ... In XX/XX/XXXX XXXX became Green Tree ... I was now paying Green Tree till it became DiTech in XX/XX/XXXX ... My loan was a predatory loan from XXXX ... I alerted the Banking Lending Comission of Texas in XXXX in XX/XX/XXXX ... I became part of XXXX 's bankruptcy filings due to the fact of only {$50.00} going to the principal of my mortgage ... I found this out upon the death of my husband XX/XX/XXXX ... I have tried to get out of a 7.9 % loan interest ... but to no success ... I have applied to Green Tree and Ditech for a loan reduction mortgage rate ... still no success ... 
The road block is {$20000.00} taxes owed on my property due to a long story ... I have tried to have them put it on the back end of my loan and they pay the taxes but they say it can not be done ...
I obtained a Citibank credit card to take advantage of their balance transfer offer which at the time was 0 % interest. I performed the first balance transfer of {$3000.00} on XX/XX/XXXX. Interest would be deferred until XX/XX/XXXX. The first balance transfer I obtain is noted as ( Offer 4 ) on the monthly statement. I performed another balance transfer of {$2000.00} on XX/XX/XXXX with an interest rate of 1.99 % and interest was noted as deferred until XX/XX/XXXX. The second balance transfer I obtained is listed as ( Offer 6 ) on the monthly statement. 

I made the monthly payments above the required minimum payments and notice that my monthly payments, which were always above the normal monthly required amount, was being applied to balance ( Offer 6 ) in which interest was deferred until XX/XX/XXXX and was not applied to ( Offer 4 ) in which the balance must be paid off by XX/XX/XXXX. As a result, if the balance on ( Offer 4 ) was not paid by XX/XX/XXXX, all interest incurred starting with XX/XX/XXXX would be added to any outstanding balance which was not paid by XX/XX/XXXX. I was led to believe my payments would go towards the first balance transfer, ( Offer 4 ) first and that I had until XX/XX/XXXX to pay off ( Offer 6 ) in the amount of {$2000.00}. I have a outstanding balance currently of XXXX. By the time my complaint is read I will have the balance down to {$1000.00}. It is very misleading when Citibank extends a balance transfer in which the rate is good until XX/XX/XXXX however, they subject the consumer to an unfair pratice by applying the payments to the higher interest rate which in my case is ( Offer 6 )  subject to incur interest charges on balances outstanding after XX/XX/XXXX. I am sure I am not the first individual who has taken advantage of more that one balance transfer at one time and this is truly an unfair practice to the consumer. I contact the bank 's customer service department and I was told I must pay off balance ( Offer 4 ) in which the last statment showed an amount of {$2100.00} by XX/XX/XXXX. Which does not make sense because my current balance as of the last statement was {$1900.00}. Balance ( Offer 6 ) showed a balance of {$110.00} which showes my payaments were applied to the higher interest rate offer ( Offer 6 ) which I had until XX/XX/XXXX to pay in full. Once again, before interest was applied.