WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a mortgage loan with Civic at the end of XXXX. I received a pre-approval defining the terms of the loan. However, Civic did not disclose to me that if the loan is past due, the interest rate will increase to 18 %. In XXXX XXXX, due to financial hardship, I failed to make the monthly payment on time. As a result, the interest rate increases to 18 %. I tried contacting them to see if they are willing to reduce the interest to what it was at the inception of the loan ; however, they refused to.
I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XX/XX/2018 and did not give me the right to cure my default with them even though they mailed a letter out stating that i had until XX/XX/2018! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to my rights?
XXXX Habitat for Humanity is in violation of our clients right to counsel and RESPA guidelines - we have attempted to contact the lender and opposing counsel since XX/XX/XXXX for loan information and to discuss a workout option for the client via loss mitigation - the lender and or opposing counsel was contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, No one has responded to our voicemails left for each - each time we have reached out to them no one has returns our call and at this point they are unwilling to assist this client in a workout option.
On or about XXXX XXXX, 2015, I obtained a Southwest Rewards Credit Card over the internet while making a reservation. The enticement to do so was that I was to receive XXXX miles in Southwest Rewards if I spent {$3000.00} within 90 days. I was provided with a credit card instantaneously to use for the purchase of the tickets that were about {$2500.00}. 

After several months I was going to book another trip with Southwest and noticed that I never received the XXXX miles, of which I was planning on using for the tickets. I sent an email to Southwest sometime in XXXX 2015, and received a reply on XXXX XXXX, 2015, enquiring about the missing reward miles from the credit card and was told in a response several days later that they were not responsible for the process and that Chase Bank is who I need to contact. 

I was also told in a later email from Southwest in response to an email that I again sent explaining that I could not get in touch with anyone at Chase, that the I had opted for a XXXX mile Reward and {$100.00}. 

I did attempt to contact Chase over the phone but I could n't connect with anyone. I attempted to do so several times with no luck, it appears that their automated phone system really is setup to no allow people to get to a person by following the directions. 

I finally did get with someone at Chase on XX/XX/2015.I explained that when I signed up for the card it was only because of the XXXX miles since I already had a Chase Visa card. I then explained that I was not stupid nor senile and that I know exactly what I signed up for and that I did n't know what they were talking about regarding a XXXX mile reward and {$100.00}. I also explained that there is a big difference in value between the XXXX and the one that I signed up for was work a lot more than what they switched me to. While they said that they would attempt to resolve the issue to my satisfaction, I believe that was just a tactic to get rid of me. 

The next day a call was made by Chase to me indicating that they sent the request to honor their commitment of XXXX Reward Miles to their Marketing Department which turned the request down. The reason was that it was past a XXXX day period. I do n't know anything about a XXXX grace period or a time period set to request that they honor what I signed up for. 

I believe that Chase Bank and Southwest Airlines used a Bait and Switch tactic supported by Deception in Advertisement and Business Practices. I also believe that both are in a partnership to defraud people by not supporting and honoring their commitments. Southwest Airlines is just a guilty as Chase since they have their name and logo on the Credit Card, provide advertisement and imply that this is their Card, which may in fact be so based on the fact that while they are not the issuer of the card they do enjoy receiving profits from its use through a possible co-branding arrangement by obtaining a part of the interchange rate if used at merchant locations not banking with Chase or by sharing monetarily when using the card to make a Southwest Air reservation because of greater profits obtained through an " On-Us '' transaction.
XX/XX/2016 - Checked my credit report and found an inquiry from company on XX/XX/2016. I did not put in an application for this company and my credit report should not have been run.
I 've submitted requests and financials to Ocwen Loan Servicing for a mortgage modification several times. I spoke with the relationship manager that was handling my account and he assured me my request was being processed. Ocwen foreclosed on my property during the process, I did n't receive a denial letter from Ocwen stating that my modification request was denied or they were moving forward with the sale of my property. The property foreclosure sale letter I received from the foreclosure attorney was dated XX/XX/2015 stated the foreclosure property sale would be held XX/XX/2015. It is a misdemeanor in the state of Tennessee for the mortgage company and foreclosure attorney not to give a 30 day notice prior to foreclosure. I want to keep my house. I still reside in the property.
About two years ago, I put up an artificial tree for sale on XXXX. And almost immediately after doing so, a person claiming to reside in Florida wrote to me implying that he was interested in my merchandise and that he would send me a cashier 's check that should arrive shortly. As promised, the check arrived but I was shocked to find out that the check was not {$250.00} as advertised on my XXXX, but much more ; about {$1500.00} more! To be completely honest, I did have my suspicions especially when he/she told me to keep however much I thought I deserved but to mail the rest of the money to another location in Texas but blinded by my circumstances at the time, I shrugged it off convincing myself that things like this do happen. So I complied. I deposited the check to the Bank of America and later withdrew just about {$500.00} with plans to mail it as soon as I had the time to go to a money order facility. A couple days later, my friend who was familiar with posting items for sale on XXXX, informed me that this was a scam and that I should return the money to the bank and explain to the representative about the fraudulent check before it was too late. But when I went to the Bank, they promptly and quite rudely told me that my account was closed without any explanation and asked me to leave. I was infuriated but did as asked and thought nothing of it. But because of this incident, I am unable to open a bank account and now realize the sheer gravity of my mistake. I do n't have any documents to support my claim for it has been two years since the incident and since then I 've changed my phone and phone number multiple times. I swear on oath that my statements are true and would willingly go to Jail if proven otherwise.
I have a loan with CAPITAL ONE. 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, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I have XXXX in my XXXX account and they are telling me I have unpaid transactions which is n't true cause my bank paid them and my receiver which is my brother did n't receive the funds so XXXX is telling me they are holding my funds for loss on my account
Today sb investigations contacted my boyfriends parents being very demanding and rude. Then also when I called and asked them to cease and desist they stated that they will keep contacting me and my family regardless of what I do. Then they did n't state the mini Miranda also XXXX, which is an investigator, posed as the owner of the company
I sent a written communication to my lender ( attached ) more than a month ago concerning my Private Mortgage Insurance and I have not heard any kind of response from them. I would like to hear back concerning my request to remove PMI from my loan which is in great standing.
I have a 25 % -35 % personal loan with Lending Club out of XXXX XXXX, Ca. I took out a loan in XX/XX/XXXX. I took out another loan in XX/XX/XXXX. I was unaware that the New York state law allowed only a 16 % interest rate or less on personal loans from financial institutions. I sent a written request to Lending Club and was told that they loaned me this amount based on what the federal government allows. No specific comment was given why they gave a rate much higher than what NY state allows. Please send me information on how I can proceed with this lender since it appears the company is operating without regard to usury laws in New York State. 
Referenced law in NY : https : //www.dfs.ny.gov/XXXX Note : Attachment only contains one loan image since Lending Club has blocked access to the other loan. Both loans are over 25 %
In regards to XXXX XXXXXXXX XXXX : I made multiple attempts to find out what happened to {$640.00} of payments to my account since XXXX and its now XXXX and still no resolution and now threats of negative credit reports. I am now contacting the California XXXX XXXX, My state senator, and the XXXX 's XXXX. XXXX XXXX is extremely incompetent and should not have any control over student outcomes regarding such an important aspect of our lives. Basic accounting skills, payment paid then credit to the correct account? Not so simple XXXX XXXX. It is a distraction from XXXX XXXX, but it's ok at some point they will have to account for where my $ is and correct their multiple multiple errors. They really should look into there hiring practices ....
On XX/XX/XXXX we re-financed a loan that was held by Specialized Loan Servicing ( SLS ). We paid the payoff amount they told us to, in the time frame they told us to, and the closing went smoothly with no problems, questions, or issues. Eleven days later, on XX/XX/XXXX, we received a letter from SLS stating they would not close our mortgage until they received an additional {$580.00}. Furthermore, if we didn't pay that additional amount within two days, by XX/XX/XXXX, they would return our closing check, keep the loan active, and continue charging interest. I called SLS on XX/XX/XXXX to inquire about the sudden extra charges, and they said it was related to " additional interest that didn't show up, and a tax/insurance escrow shortage ''. They would not explain further. As I examined their latest numbers, I could not see how they came up with {$580.00}. To complete the transaction, I submitted to SLS a cashier 's check in the amount of {$580.00}. This charge seems inappropriate and unfair since we had already obtained from them correct closing figures and abided by their information.
I submitted a request to coinbase on XX/XX/XXXX at XXXX stating that my account may have been compromised because I did not recognize a CC that was associated to my account. Literally 3 minutes later at XXXX on XX/XX/XXXX I emailed and stated that I remembered the account was a disposable credit card that I tried to link to get the funds off of. I did/do not have access to see transaction details for the card because it's just a prepaid cc so I was unable to see deposits to the card to verify it. 

Coinbase then locked my account. I emailed them multiple times trying to get my account unloacked. I have not received any response from them in over two and a half weeks. I emailed them on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX. I have received no response. I have contacted they're telephone support number and they continue to tell me that there is nothing they can do. They will not provide any means in which to contact the department that is responsible for unlocking my account. 

They are holding my money hostage, I am unable to access my funds and they are doing nothing to help me.
I sent a dispute letter that was received over 30 days ago by U.S. certified mail. They have failed to properly validate the accounts I questioned. I have received no written communication or any supporting documents that I have requested.
XXXX KEPT TAKING MONEY FROM MY CHECKING ACCOUNT, AFTER I TOLD THEM I WANTED FINAL BILL AND WOULD PAY VIA MONEY ORDER VIA XXXX MAIL. ON OR ABOUT XXXX/XXXXXX/XX/XXXX XXXX XXXX FROM XXXX XXXX XXXX CALLED SEVERAL TIMES STATING THAT I WOULD BE XXXX AND THAT SOMEONE WAS COMMING AND KEPT CALLING XXXX TRYING TO SEND CEASE AND DESIST, DO NOT CALL, VALIDATION, I HAD ONLY XXXX XXXX FROM CALLER I.D . XXXX finally delete XXXX tradeline from all bureaus, XXXX etcc.
am a XXXX service member for last couple of years, I was recently XXXX  to XXXX XX/XX/XXXX, I was in XXXX XXXX in XX/XX/XXXX with my family were also relocated at that time, this year my family returned home and I got a change of station to XXXX and my family, my kids and wife living in the home that Nationstar aka Mr. cooper trying to foreclose on my home and kick my family out, I applied for modification last year XX/XX/XXXX and denied mod and hired a paralegal XXXX XXXX in which I signed a durable power of attorney to help me negotiate the mod and help me force lender to give me a mod until today there has not been any respond for the appeal nor they speaking to my attorney by power of attorney and claiming she isn't attorney they wont speak to her and harassing my family by sending people to my house and posting notices on my door ( scare notes ), they also recorder a notice e of default on, my property XX/XX/XXXX ignoring the fact am not home and my family has no place to live in while am out, this lender is corrupted and request your assistance to force them to give me a mod request sent last year and over turn the denial please. yes I had problems paying in the past but they knew the reasons why, I was injured in XXXX  and had to take time off the service to rehabilitate and my pay was cut and have a son that's XXXX  and had bunch of medical bills too to be paid and we had financial hardship at that time.
The company is ma associate is calling and saying that I am being sued. I have not had contact with this company before. I had advised them that I do not know of any paydays loans from XX/XX/2008 and I would like them to prove that this is me during this time I had my identity stolen and do not know what was open and what was not
I original had a payday loan that has been paid off for 2 years. Today I looked at my checking account and they charged my account {$120.00} for a maintenance fee. I have not requested any money from this company and never received documentation that stated they would hit my checking account with some random fee. I have disputed this with their company as well as my bank. I did not authorize this transaction and made my payments on time every month and the balance was paid off 2 years ago. They have taken advantage of me as a prior customer because they still had access to my bank account. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX.
My Name is XXXX XXXX my husband and I both use this same CFPB account when needing to report something I hope that is ok, anyhow I looked at my credit wise tracker on Capitol One website this morning and I found a XXXX XXXX by capitol one card opened in my name I have never had a XXXX XXXX Card, I tried to see if my e-mail or info was registered on the XXXX XXXX website and it is not, I tried to ask customer service to locate and cancel this account and they refused as I can not verify info they request because I never opened a card with them, im not showing in the credit tracker any charges associated with the account so it appears that no one is using it, but I want the account closed, if this card is linked to any XXXX state address it may be fraud, a relative, opening the card in my name, I live in XXXX and have never had a XXXX   state address for any financial account, I moved at age XXXX before I had any credit, ive been in XXXX at the same address most of this last 15 years, I can provide any details you need to locate me I think they should be able to find account with my name and social and close this please, maybe capitol one just opned an account without consent from me, I have no idea I just know I never had a card withthis store they don't have my email on file and they refuse to help me resolve this issue I need help
Hi, I have been with BB & T Bank for many years now and even before when it was XXXX  XXXX. 
I was a victim of FRAUD AND IDENTIFY THEFT. BB & T did NOT do anything about that. They stated that they were going to Internally Investigate it and contact me. They Never did. As a result of this FRAUD AND IDENTIFY THEFT ; I wasn't able to keep track of my Account History. I had to open and close two different checking Accounts. I have called the BB & T Executive Offices contact Number several times. I have also called their XXXX - XXXX number And Office Manager several times and They still continue to LIE to me, give me excuses, Ignore me, NEGLECT And Mis-Treat me. I have been extremely Patient up until NOW. About a Month ago I asked And Requested their Assistance This has been to NO AVAIL. They Need to Credit my Account. Send me a Detailed Account History for the last 24 months ( Office which they Assured me of ). And Regular Mailed me Broshures of the different types of Checking and Savings Accounts that they have where there is No fee charges if I don't have Direct Deposit. I can NOT account For much money in which I had in my checking Account. - Please have BB & T RESOLVED these Issues / Matters A.S.A.P. - Thank You
I had XXXX credit card accounts with Chase banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, Chase bank has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for Chase bank, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.
On XXXX/XXXX/15, we received our credit card statement for an annual fee. We had no other balance on the card. I contacted the company on that date and told them that we 'd been customers for years with solid credit and that I would like the annual fee removed. The Agent agreed immediately and said he would remove the fee permanently and that it would take 5 days to show up as deleted on our online account. On XXXX/XXXX/15, the charge was still listed on our online account and I called and spoke to another person ( I have all the badge numbers for those I spoke to ). This person apologized and said that it really would take 7 to 10 days from the original conversation to be removed but that our account was showing that the fee was removed permanently. 10 business days from XXXX would have been XXXX at the latest. On XXXX, 1 day before the payment of the annual fee was due, it was still showing up on our online account. I called to cancel the card completely. The person I spoke with said that the annual fee was part of my signed agreement. I asked her if she was implying that I was in breach of contract and she responded that she had n't said anything of the sort. She said my account was showing that there was no annual fee but that she would need to contact her technical support people to check our online account. I told her I thought that XXXX was hoping I would pay the annual fee prior to the due date to avoid penalties and the such. I told her I would not cancel the card if she sent me an email saying that my account was changed to a no annual fee account. She refused. She said I needed to fill out the 'Contact Form ' on their website which I 'm certain says they have 48 or 72 hours to reply. Any answer would have been beyond the due date. I cancelled the card at that time and received a cancellation code. It is unfortunate XXXX found it necessary to play games with me.
Tonight ( XXXX XX/XX/XXXX19 ), I received a credit monitoring alert that a new derogatory account was listed on my credit report. I immediately noticed it as a debt that was already paid. I never received any call or letter informing me of the debt - it just magically appeared on my credit report. I called the collection agency to find out what was going on. The balance was {$50.00} even. I told the collector that I had never received any phone call or documentation via mail about the debt, and requested that to be sent to my address because the debt was not mine. She informed me that she would not provide that to me and that I was responsible for the outstanding balance after insurance and to pay it now. I told her that this wasn't my debt but to avoid the headache, if she would send me a letter in writing stating that if I paid the balance this negative information would be removed from my credit report, I'd pay immediately. I don't pay anyone without knowing exactly what I owe and for what, and she was very defensive when I requested validation. Instead, she emailed me a notice to collect without any requested financial information. I have already paid the collection to the original creditor, so I am hesitant to pay anything else without proof that I owe this money. I called back to request that I not be contacted by phone and spoke to another collector. She attempted to collect the debt once more, and I explained the event that occurred previously. She told me that I was lying about what I was saying, and both of the collectors used baby talk to try to get me to understand what they were saying. I was well aware of my rights and knew that my request for debt validation was sound.
In a letter dated XX/XX/XXXX from ERC, I received a response to a previously disputed debt. ERC sent a response to a validation request after I informed ERC that I do not owe them or XXXX, the original creditors. I told them to remove the debt completely from my credit report as it is not a debt or settled. XXXX falsely advertised that they provided high speed internet in my area when in fact they didnt. XXXX eventually sent me a refund check. The service was activated and cancelled the same day because it was not high speed internet. It was dial up and it was extremely slow. High speed is not offered in my area from XXXX in early XX/XX/XXXX. XXXX should not have place me in collection and ERC has been informed of all this. I want ERC to remove the bogus account because they dont even have the correct account number at all and I do not owe ERC or XXXX and they keep sending me correspondence and putting damaging remarks on my credit.
Theres still a hard inquiry by XXXX credit on XX/XX/2018 showing on my TransUnion credit report that was not authorized by me. This is the 3rd time since XX/XX/XXXX in less than 6 months that I have to keep contacting you to get this removed. This company needs to be fined for reporting incorrect information on my credit report! I did not authorize XXXX to do an inquiry on my credit report! TransUnion has still Not Removed it! REMOVE THIS NOW!