WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX /  XXXX   I sought information online from my current  bank ( Wells Fargo ) regarding terms of a personal loan. The information on their website offered a screen to enter the amount of loan and term ( years ) of the loan to identify an  interest rate based upon my input. The rate provided for a my {$10000.00} 48 month loan returned 7.992 %. It displayed a caveat that it was subject to " excellent credit history and ability to repay the loan. ". I then applied online for the loan. Within a hour I received an email response saying the loan was approved ; however the interest rate for the loan was 12.004 %. I then called  Wells Fargo  at  XXXX  ( number on the loan application response ), to talk with a service agent as to why there was a 33 % increase regarding in the interest rate when I have an excellent credit rating ( based upon all  XXXX  major credit bureaus [ in fact, I have never defaulted on any payment in 52 years ] ), there is absolutely no indication on any of my credit reports showing past due, late, or any other credit issues. I have had two authorized inquiries in 4 yea rs ( to pu rchase a used car, and refi my home for a lower interest rate - which is good financial practice ). I also asked if my ability to repay the loan appeared to be an issue. The service agent stated that she could not provide any information other than that the interest rate is computer generated. I asked to speak with someone else that could tell how the interest was calculated and increased 33 % since obviously some " person '' approved it. I was transferred to a gentleman who ultimately gave me the same answer - it 's computer generated. I then called my local bank  ( Wells Fargo  -  XXXX , NC  )  and spoke with the branch manager. I asked her the same questions. What in my financial information justifies a 33 % increase in your advertised rate? I asked if she saw anything in my credit history that was an issue - she advised no. I then asked if there was an issue with my debt to income ratio, or my ability to repay the loan, and she stated it is currently 21 % and that they do n't have concerns unless it 's above 40 %. She then, like the other agents of  Wells Fargo, stated  that she can not explain the 4  % ( 8 % to 12 % ) increase  other than it is computer generated. I advised her further that I have never been unemployed ( ever ) since age  XXXX , I make almost {$90000.00} a year, I only have a house payment of {$1200.00} and a car payment of {$220.00}, and I 've never missed ANY payments on ANY loans EVER, and I have an " excellent ''  credit score bas ed upon the credit reports ( I 've ran all  XXXX  reports to confirm ). Why then, is there a 33 % increase in your loan offer versus the advertised rate on your website. She only stated, it was computer generated ... and no other explanation provided. If I ca n't get an 8 % loan ( as advertised ), I would like to see who can.     I am willing to provide to CFPB my financial records for review.
My mortgage company is stating I 'm behind on my account. Per my calculations I should be up to date. They have applied my monthly payment towards other fees without my authorization, this cause for my account to be at default assessing late charges on the account and reporting over 30days past due. Until this date, I have requested for someone to review my account and explain to me how my funds are being distribute to my account. I get no answer, representative only state " I will mail you out a payment history report '' this is not the solution. I need answer. I requested to speak to a Supervisor and was told her name was XXXX she was unprofessional. I asked her to please go over payment history report with me to inform me where in my part I defaulted on my loan. I 'm 100 % sure my account should not be past due. I need assistance and need someone to inform me where I defaulted and no one in this company is taking the time to review my account to proof them wrong.. I expect my credit report to be fixed and my account back up to date.
I sent {$100000.00} to my brother in-law ( XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX through Moneygram, He went to XXXX XXXX in XXXX XXXX XXXX to crollect the money ( {$1000.00} XXXX, after filling the require form, he was told at the XXXX XXXX that their payout limit is {$600.00} dollars only, it was on saturday. so nothing was given to him, the following monday he went to another bank, and they said the Reference number is invalued,, i called Moneygram customer service and ask if they could re-issued a new reference number. their customer representatvie said the money was paid out, i explained what happend in XXXX, i even spoke to the Bank branch manager he said it was n't paid. he said because the teller keyed in the reference number that is why it is showing as if it was paid out, The branch manager advice me to get a refund so that i can resend the money with a new reference number. i was transfer to the fraud dept of the Moneygram and they said i will hear from them within 90 days, then yesterday the XXXX of XXXX i got the attached letter in the mail. They refused to tell me where the money was cash.
I was informed of a state tax lien that I was unaware of by requesting my annual credit report this yearXX/XX/XXXX and it was on my report. This amount was paid off last year in XXXX by installment agreement after I voluntarily went to the Internal Revenue Service here in XXXX, MS and set up installment payments, completely unaware that a lien had been filed. To my understanding a lien is placed 60 days after yearly taxes are filed, and at that time my monthly bills and the fact that I was hospitalized and had to have XXXX, I was totally unable to immediately pay the full amount of {$1100.00}. However upon becoming well after my illness and financially able, I paid the installment agreement unwavering from what was agreed after I went in and set it up. Recently after finding this damaging public record on my credit file, I immediately took action, submitting disputes, sending proper documentation ( the lien cancellation letter ), goodwill letters, and a copy of the webpage regarding state tax liens from the XXXX XXXX XXXX for the State of Mississippi ( stating that once a state lien is paid it CAN be removed from credit reports ), to each credit bureau in hopes that they would have compassion for my situation. So far only one bureau did, XXXX ... It is still under investigation with XXXX. After going back and fourth with the IRS and the Credit Bureaus, the IRS says that they have anything to do with giving this information to the credit bureaus, that the bureaus ' information comes from third parties and publicly recorded information, and the credit bureaus say they get the information from the IRS. I am trying hard to rebuild my credit due to my medical bills I incurred from my ongoing illness, and I have been successfully doing so. I am working diligently so that I can obtain a home loan, after all ... I can not be homeless and continue to pay my bills, I know this is common practice for the Equifax bureau, but their heedless decision is negatively effecting not just my credit, but an important milestone in the security of my life. I am being punished for something that, not only was I unaware of ( I 've never had a lien before and never was notified ), but that I paid off as agreed! All I am asking for is a little humanity. I paid my debt why am I still being penalized? Not only that, but several of the things that I am doing to rebuild my credit have not even been reported on the file that Equifax has for me ... like that fact that I now have a revolving credit card account. However, they receive this private personal information from an unauthorized THIRD PARTY ( NOT THE IRS OR THE COURT RECORDER OF DEEDS, LIKE THEY CLAIM ON MY REPORT ) and immediately place it on my report. Lastly, I have actually read different accounts from people who have had a lien record removed by Equifax, by doing exactly what I did, and I ca n't help but wonder is there some form of discrimination being displayed.
I was behind on mortgage due to my health and knee problem. I could not work and I have submitted to lender the request for mortgage assistance to keep my house. Lender had got the RMA but they did not do anything to me and my agent has been contacting lender but no result. They cancelled the notice of default however they sent me the notice of sale on XXXX/XXXX/2016. My agent has contacted Chase for more information but the representative from the Chase could not answer or get back to her anything. I need them to help to me review the application and provide correct information. They dont even want to give me or my agent update for request for mortgage assistance.
My Name is XXXX. While I attended school at the College of XXXX I took out XXXX loans from XXXX. These Loans later got transferred over to Navient. Over the course of the years I have been trying to pay back my loans. Even using federal loans to pay off private loans due to very high interest in the private loans. I successfully was able to pay off XXXX of the XXXX private loans resulting in approximately XXXX dollars including XXXX dollars in interest. I have XXXX more private loan with Navient from College and now federal loans I took out in order to complete my XXXX in XXXX From XXXX University. 

My last loan with navient was of XXXX dollar and with the accrued interest of 10.5 % it has increased to over XXXX dollars since XX/XX/XXXX. Over the past months and as recently On friday XX/XX/XXXX I called Navient asking for a deduction in my interest rate in order to make the payments manageable. At this point I am losing XXXX dollars a month in just interest alone. I explained to the customer service agent named XXXX ( XXXX ) that I am an expecting mother XXXX in XX/XX/XXXX willing to pay back my loans but I need to refinance my loans to a lower interest rate. in order to be able to survive. He explained to me I am on deferment until XX/XX/XXXX and I do not need to make any payments. I explained to him that my XXXX date firstly is on XX/XX/2017 not XX/XX/XXXX and also that regardless the fact that I do n't need to make any payments my interest is accruing and now I am an expecting mother. He was unable to offer any resolution to my problems and unwilling to help me with refinancing to a lower interest rate. After explaining to him that this is unfair and making him aware that I know Navient is in a lawsuit and there practices are not helpful to americans he provided a glimpse of help. He reported that yes Navient has refinance to even as low to 1 % interest after that students submit to financial assessment ones my school reports I am XXXX in XX/XX/XXXX not XX/XX/XXXX. I explained to him why do I have to wait for my school to report to them I am XXXX next month while I am telling him now. I asked why not perform the financial assessment now as oppose to next month but he was unwilling to help any further. 

I find the practices of navient to be unlawful and hurtful to myself an all americans. Because of Navient loans I am unable to move out of my boyfriend parents house as I a can not help with rent. Navient has trapped me with high interest rates that even as I try to make monthly payments I finally feel that I have to give up. I can not keep up with the interest rates especially with a baby on the way. Navient also admittedly prefers to keep me in deferment in order to just increase my interest rates. I am upset that I they are not unwilling to help me with decreasing my interest rate to my loans. I explained to Navient that they already won and I am expected to pay back over XXXX dollars of interest on all my loans but the are still unwilling to help. At this point I give up and I hope that you can help. I can no longer continue to pay Navient especially now that I have a baby on the way,
I have made attempts to try and resolve debt through a settlement offer of approximately 65 % of the debt. No validation of debt has ever been provided to validate the debt.
I was a tenant of XXXX XXXXXXXX XXXX located in XXXX, TX until XX/XX/2017. During the time that I was moving out, it was in the height of the recovery efforts due to XXXX XXXX. The office hours to the complex were erratic at best and everyone had much on their plate to deal with. I notified the apartment manager of my intent on moving out verbally and she stated that she would handle it. 
A few months after I moved out, I received notification that I was in violation of my lease from a credit company. The credit company stated that the violation was due to not giving notification that I was moving out. They stated I owed {$1000.00} due to the violation. I then requested an investigation from both the credit company and my apartment complex. The credit company stated they did an investigation and were told I did notify the complex I was moving but later recanted the move out which is false. I never recanted. The complex told me that they would investigate and contact me. The contact that I had through the complex never called me back to let me know the outcome. After attempting several times to contact her, she emailed me to let me know I would have to file a complaint through the fair housing to seek recourse. This made no sense to me and questioned her credibility as to the thoroughness of her investigation. 
I feel as if they are reporting that I violated a lease without any credible evidence that I did so. Moreover, the credit recovery agency are harassing me for money that I do not owe them in lieu of the apartment complex. 
I do have emails, phone records and documents to show my attempts to remedy the situation prior to filing this complaint.
Bank of America has discontinued my ability to make principal loan reductions to my mortgage account online. And you can not make payments to tellers either. Since the Bank set up this new system where all payments are first applied to interest and any remainder is applied to principal. This is WRONG and should not be allowed. 
I should be able to make principal reductions at any time during the month without it being applied to accured interest instead. This IS ILLEGAL
I sent an investigation request to the credit bureaus on XX/XX/XXXX, but they have not responded yet. They are supposed to respond within 30 days.
Every weekday, sinceXX/XX/XXXXuntilXX/XX/XXXXI have received persistent, aggressive calls and voicemails from XXXX I do not know who this caller is, or what they want. I do not answer unknown callers or their voicemails -- too many robo-scams out there. I have reported this number to XXXX, FCC, FTC, and the Do Not Call Registry ; I have put anti-spyware and call- blocking apps on my phone, bot the calls & voicemails still come thru. I added another call-block app on Monday, XX/XX/XXXX. It failed to block the call/voicemail ; but it showed the name : XXXX XXXX I " XXXX '' the name and found the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX PLEASE STOP THESE PEOPLE FROM BOTHERING ME. I DO NOT KNOW WHO THEY ARE OR WHAT THEY WANT.

Thank you ever so kindly.
I paid this card with payment arrangement and settlement with the credit card company and I was offer if i made 4 payments in the amount of XXXX my account will be close and remove from my credit report. It been 2 years since i paid off the account, I tried to disputed in my credit reports and no change has made. Can you please help me with this.
My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name. 

They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. 
At some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the spring of XX/XX/2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. 
I did attempt to file a police report in XX/XX/2017 but the police told me I needed to come back with documentation and then we were hit with XXXX XXXX and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XX/XX/XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). 

I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however your company still refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account from my credit report. 

XXXX has been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 18 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. 
I reported the accounts that was fraudulent to them and were needing to be blocked back in the fall of last year ; instead of processing it is fraud, you opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days. 
I have documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose.
A merchant charged my card for services that were to be provided. The merchant did not provide the full service, and agreed to refund {$200.00} for the unfulfilled services ( through text message ). The merchant however did not refund {$200.00} for the services. I filed a dispute with my Discover for {$200.00}. Discover is telling me that I need more proof from merchant stating they owe me {$200.00}, even though I have a text message stating the fact.
My accounts with Chase Bank were closed without notifying me. They may send a letter but by the time I get it the damage is already done. My son had some alleged fraud activity associated to his account which is a XXXX Account and is linked to me. My son spoke to Chase and they advised him of the fraud and did advise him that they were going to close his account and send him a check. He stated they told him that he could no longer bank with Chase which I thought was odd. I asked if he was telling the whole story and he claimed he was. I happen to check my account to confirm my mortgage payment had gone through and noticed my account did not look right. I called the XXXX # and put in my debt card number and this is when " I '' found out my accounts were closed. I spoke to a representative that got smart when I asked, " so you close my account without telling me? '' His exact words were, " I just did ''. At that time I requested a manager. He placed me on hold I just disconnected the call and immediately went to a local branch. They were not any help there either. I still have not found out why my account was closed or why they said I can NO LONGER do business with Chase. I have been with Chase for years and I can not believe they would do me like this. I have not done anything to make them do this. I looked up reasons as to why a bank would close an account and none of them pertain to me. I just want to be treated fairly and at least get an explanation as to why MY accounts were closed. I can understand closing the XXXX account ... .but why mine? My son is a member of the United States XXXX currently in New Mexico. There was a question about service member. I am not a service member but my son who also is affect is.
XXXX XXXX reported my mortgage as being late 6 or more months which has a derogatory effect on my credit score. They need to correct it NOW and quit reporting false information!
I am unable to talk to this company as they refuse to confirm my identity because they had my date of birth incorrect they put a fraud alert on my report and I have sent them XXXX letters with my license social and SSDI paperwork and passport and they will not remove this alert they ' refuse to allow me to log in and I have been on the phone for days months years please help me get then to remove that information as it is affecting me to get credit cardsThank youThe case number is the most recent
I was set up with auto-pay for an amount higher than the minimum payment and the Minimum payment changed and they charged me late fees even though the account was set up with Auto-pay. I requested the fees to be reverse and they did not do it. Due to this issue my credit score took a dive and they wont fix it either.
We them on XX/XX/2018 at aprox 3 pm and I RECORDERD the call even though they said to stop, but they kept there recorder going so that works one way only for them. They embarrassed me in front of XXXX XXXX I am a XXXX and entrusted them with my funds my card is paid every month with a low debit. SO WHY are the lieing to me about XXXX and my funds? They cut me off when I had {$900.00} to spend why I called THEM TO LET THEM KNOW IT WAS ME.
US Bank continues to send emails to me that should be going to their actual customer. I am not a US Bank customer nor have I ever been a customer. Unfortunately, one of their customers incorrectly used my email address at some point while creating an account with US Bank. So now I routinely get emails from US Bank with the name of this customer, the type of product used by the customer and the last four digits of the credit/debit card used by their customer. Despite many emails to US Bank ( sent to both their customer service AND their fraud departments ) I get nothing but additional emails and useless instructions on how to fix MY account records. To repeat, I am not their customer and have no account records with them. It is impossible for me to fix something that doesn't exist. US Bank refuses to correct this incredibly simple piece of info, and willfully chooses to expose their customer 's data to somebody who not only has told them repeatedly to NOT send this to them, but has explicitly told them I was not their customer. They need to fix their error, not me. Further, their customers need to know how callous and indifferent US Bank is to protecting their data. The kicker in all of this is that nearly every one of these emails is promoting how US Bank is working to protect their customer 's private information. Rather hilarious!!
This complaint is related to Bank of America at XXXX XXXX XXXX XXXX, Florida XXXX this complaint is on the issues of banking errors, statements but not limited to accounts ending in # XXXX savings. and checking # XXXX complainant is requesting full disclosure of statements relating to both accounts. ANY AND ALL ATMs cards number related to both checking and savings accounts.
This is a complaint as per the Equifax data breach occurring from XX/XX/XXXX to XX/XX/XXXX, affecting more than 100 million Americans. I am one of those > 100 million Americans impacted, as per the results from checking [ https : //www.equifaxsecurity2017.comXXXX ]. 

I must now assume all of my incredibly sensitive private information is now available publicly, which fundamentally undermines any sense of trust or safety in the whole of the financial ecosystem.