WillisBack/dataset-financial-user-claim huggingface dataset:
My loan went into foreclosure due to my being in an accident. I was placed on a repayment plan to get the loan out of foreclosure with my first payment being due in XXXX 2016. I made the first payment with no problem. The second payment was due on XXXX XXXX and I made the payment on XXXX XXXX. I overnighted the payment on XX/XX/XXXX and it was received on XX/XX/XXXX. The XXXX was a Friday so I called on Monday to make they had received the payment and posted it. I was told that my repayment plan had broken on the XX/XX/XXXX. I asked why did the plan break and they advised due to non payment. I then asked how many days after the first do I have to make the payment before the plan breaks as the payment was n't even 30 days late. I agree it was n't made on the XXXX but I have never heard of a plan breaking after 18 days. The mortgage company stated to me that there is no set date for the plan to break, just whenever they review it and see there is no payment made. Also let it be noted that I have spoken to them several time during the month and not one person told me that the plan would break on XX/XX/XXXX. I thought I would have at least 30 days before the plan broke. When I spoke to the company on Monday the XXXX I was advised they would try to restart the plan and asked me when could I make the XX/XX/XXXX payment. I advised I could make the XX/XX/XXXX payment on XXXX XXXX. On Tuesday the company called me and stated they could not restart the plan because the plan broke on XX/XX/XXXX and the payment I made on XX/XX/XXXX would be sent back to me. 
I have worked in mortgage servicing for the last 14 years and I have never seen a repayment plan break in less than 30 days and this one broke on the 18th day. Furthermore this was my first repayment plan, and to also refuse to set the plan back up with an explanation that the payments have to made by so many days after the due date or the plan will break is not fair. Especially when I sent the payment in, certified funds, and now they are just down right refusing to accept the payment and are sending it back. 

I am someone trying to keep my home and to just refuse to accept the payment and send it back is not right. I could see if the payment was not made in XX/XX/XXXX but it was.
I received a student loan from then XXXX XXXX now Navient back in the early 2000 's for XXXX school for {$16000.00}. Over the years I have been through ups and downs, marriage, XXXX kids and job loss. I have begged Navient to let me lower my payment, they always said I did n't qualify. When I could no longer make the payment they started hounding my mother who was my cosigner and told her if she did n't make the payments and bring the loan current they would put a lien on her house. They have hatrrassed and scared us into making payments we can not afford. My mother and I are now both unemployed and Navient is still telling us we do not qualify for cosigner release or lower monthly payments.
I was scammed online, and did not receive what I paid for. Was not able to cancel payment in time on Paypal.
Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from XXXX  only, requesting a bunch of prove-you-are-you data. Equifaxs phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.
On Thursday, XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, NC, to cash a money order. I filled out the necessary forms and was told that a checking account would be opened for me. I stated that I did not want the account. My money order was cashed, I was told to press several buttons ( Green and Red ) on the credit card machine, and then I was given a packet of information describing a checking account ( XXXX XXXX XXXX by XXXX ) that was opened for me. The cashier told me that the account was opened automatically for everyone and that I would just have to call XXXX and cancel the account if I did n't want it. I called the phone number provided as soon as I left XXXX XXXX XXXX and was told by the representative that I could only close the account if I paid a {$15.00} closing fee. I explained that the account was opened without my approval, but the representative insisted that I had to pay the fee. I asked to speak to a supervisor and was connected with XXXX. XXXX also said that I needed to pay the fee. When I refused, he stated that I needed to return to XXXX XXXX XXXX to have the account closed without a fee. When I pressed him on why the bank itself could n't do this and that I was going to contact the CFPB, XXXX placed me on hold. When he got back on the phone, he stated that he was closing the account and waiving the fee. He stated that this would take 1-2 days. On Tuesday, XX/XX/XXXX, I received a text message stating that my XXXX XXXX XXXX Debit Card was mailed. I called XXXX again to check why the account was n't closed. I spoke to a representative who said that the account was escalated to a manager, but not closed. After being placed on hold several times, the representative told me that I could only close the account if I paid the {$15.00} fee. When I explained my previous experience and the resolution given to me by XXXX, the representative said she understood my concern, but offered no resolution other than me paying the fee. I asked to speak to a manager to resolve the issue. I was placed on hold for 40 minutes before ending the call.
I was sent a rebate card issued by Citi bank from XXXX. I was not home during the time frame to receive the card. Upon coming home and checking my mail I Did not find the card. I contacted the fraud department and reported that it was not received, they informed me that the card had been used. I sent in a fraud report and after review the bank denied it and wo n't disclose why I was denied
I 'm a veteran and my gi bill was supposed to cover my schooling. Not only was my gi bill never used, like i told them to, but i was also a single parent and should 've qualified for a pell grant, but instead they did n't even offer that to me. They persuaded me into doing these loans.
I applied for a refinance mortgage with SOFI ( # XXXX ) and was declined last minute via phone call. I spent nearly 3 months with them submitting documents and sometimes waiting weeks for a response. After the last call from my processor ( XXXX XXXX ) I did not received any other communication from them. I recently learned SOFI called my property insurance company, XXXX, in XX/XX/XXXX and  requested they change the Mortgage Company to SOFI and  to send the bills directly to me. Due to this error by SOFI, I just received a notice of cancellation from XXXX. My current mortgage company is XXXX XXXX XXXX and I pay escrow for taxes and insurance. XXXX stopped billing XXXX due to SOFI 's request. XXXX has been using a 3rd party showing my insurance was past due and has been paying it monthly but they have been paying late. Therefore, XXXX sent a notice of cancellation. I also learned that SOFI requested an expedited payoff demand from XXXX and I was charged {$30.00} for the request which was refunded to me by XXXX after I explained what happened. I am complaining to the CFPB because SOFI 's actions do not seem right. I also find it hard to accept that XXXX would make such a change without my knowledge. I do not believe SOFI followed current TRID rules as I understand them.
Certified letter sent to Kramer & Frank on XXXX/XXXX/15, signed for on XXXX/XXXX/15 requesting validation of debt and to cease all phone communication. Requested communication of this matter to only be in writing at my address. Received telephone call from Kramer & Frank on XXXX/XXXX/15 violating my request to only contact me via mail.
I am being charged a late fee each month on a purchase I made which was financed thru Wells Fargo, This was a 12 mo no interest agreement. I get paid once a month at the beginning of the month so make payment at that time so it 's not late. All of my payments are made online which states payments take effect the same day if submitted by XXXX Pacific Time. I made a payment of {$140.00} on XXXX/XXXX/15 which was the end of the billing cycle, but the payment did n't show up until the billing cycle beginning XXXX/XXXX/15 and then charged me a late fee. Each month I 've been charged a late fee and a {$1.00} interest charge. 
They said I pay too early and they ca n't do anything about the late fees, but would refund 2 months which they only refunded 1 month and then charged me again. I have attached copies of the receipts and statements where the problem first began.
JP Morgan Chase closed homeowner 's Original Loan ( ... XX/XX/XXXX ) on or about XX/XX/XXXX during the commission of illegal loan procedural acts. JP Morgan further covered up these illegal loan procedural acts from homeowner until she accidentally found out from their own employees during XXXX holiday in 2014. Homeowner also discovered other illegal loan procedural acts performed by JP Morgan Chase. JP Morgan Chase had no intentions of letting this homeowner know about their illegal loan procedural acts. Because of the continued cover-up homeowner reserves any and all of her rights against JP Morgan Chase individually and on behalf Fannie Mae and Fannie Mae. Homeowner is attaching a Complaint to this form known as " Closed Loan Return Deed Complaint with CFPBSee attachment - Closed Loan Return Deed Complaint with CFPBSincere & XXXX
I have been disputing with all XXXX credit reporting companies and have gotten nothing resolved. I have been the victim of bad credit since I can remember. My credit score has always been in the XXXX due to improper reporting. This has caused me to continuously get denied for credit and pay very high interest rates on auto loans. Every time I shop for an auto loan the car dealership sends out my application to different banks ( XXXX ) the credit companies report every single inquiry on my file. I get denied credit because too many inquiries. Credit companies try to tell me all those inquiries on my file only counted as XXXX and did not affect my score. That is the farthest from the truth. They count and that is why my credit score has never reached XXXX. I have also disputed other inaccurate information in my file and each and every time it remains un resolved.
I found a hard inquiries on my credit. These are XXXX, XXXX, Discover Bank, XXXX. I have a concerned that somebody stole my identity.
I send {$90.00} to my cousin in XXXX, she try to pick up the money the next day, true the companie MONEYGRAM they told her that the transaction was cancel or someone pick up the money, but she was the only person authorized for this transaction I talk to her, she doesnt get any money, she ask who sings they set theres no signature, I havent have any help from the company and have no been refund what can I do to get my money back?
I have already submitted the required Paper work indicating that my XXXX card was stolen. The company has lost my paperwork and is demanding I reinvent the wheel. No. I refuse to refill this paperwork out yet again. 
This company has been contacting members of my family via phone and telling them to please have XXXX XXXX call me regarding very important information
I received a unsolicited document from First Direct Lending. It was titled Direct funding issuance, and the header had a fake seal of the state of Arizona and the words ACTUAL DOCUMENT and MATTER KNOWN. The reverse of the document shows bold letters saying FINAL NOTICE and REVIEW ATTACHMENTS. The fake Arizona seal again appears on the back of the document.
Bank of America set up a student checking account for my son with me, his father, also on the account. For some reason they have an overdraft mechanism on the account that if he goes over or negative, the charge goes through and he gets hit with a {$35.00} overdraft fee, which recently happened. 

So I asked if the {$35.00} could be reversed for it is a student account but they said its not a student account, it is a UGTMA, so they didn't reverse the {$35.00} charge. This is not what we set up - we thought it was a student account.. And they can't delete the overdraft mechanism. 

So it's just an account that will collect fees from a student. Kind of ridiculous. Thx
On XXXX XXXX, 2017 I was made aware that my personal and identifying information was likely compromised as a part of the Equifax breach. Using my partial SSN and full lastname I completed the service provided by Equifax and was informed that Equifax believed my personal information " may have been impacted by this incident ''. I made an attempt to contact the company on their website but the page was unresponsive and due to the amount of people affected I was unable to get a hold of anyone over the phone.
I was able to get a manager to resolve my issue personally ( at least the most recent occurence ) ; however, I believe this is a much bigger issue.

Care Credit offers interest free financing on Vet purchases over {$200.00}. I have had an unusually sick dog and have used my Care Credit card often with the interest free financing. I have always paid my balances and stand in good credit with them. I noticed on my last 2 statements a Minimum Interest Charge of {$2.00}. I called to determine what that was. I was told that 3 statements ago I had a {$56.00} charge from the Vet and even though over the past 2 statements I have paid {$1300.00} my payments were not fully applied to the interest barring charge instead the majority of the payment went to the interest free balance. That does not seem fair to the consumer. I am not sure if there are guidelines for this is the industry, but I do not believe this happens with my other cards. The other companies like Lowe 's will apply your payment to the non-deferred interest charges first and then to the deferred interest portion. I assumed as an accountant this is how all companies would process the payments therefore I always made sure I paid the full non-deferred portion of my bill plus payments to the deferred balance. Little did I realize this is not how Synchrony Bank ( Care Credit ) applied their payments. Who knows how much interest I have been charged over the years that I did not catch. This time they were charging me {$2.00} on a balance of {$1.00} they had left on that piece of the bill. They told me if I know there is a non-deferred balance I would need to call to have my payment applied to that piece. I think this is very dishonest of them and deceptive to their customers. It is just wrong. I love the card and the benefits, but the ethics behind their payment application is wrong.
Dear Sir or Madam ; This is a letter that I am writing to several parties as a means to bring clarity to my situation as well as dispute and resolve this. I have been making attempts since XX/XX/XXXX when this matter was first brought to my attention. 

I am erroneously being held responsible for student loans with Higher Education that I never initiated. When I went to XXXX XXXX XXXX in New York in XX/XX/XXXX-XX/XX/XXXX I signed for student loans with XXXX XXXX. I started repayment approximately XX/XX/XXXXafter graduation and fulltime employment with XXXX. I made monthly electronic payments of {$500.00} to approximately XX/XX/XXXX. I received a letter of satisfaction. I have settled this debt in full. 

Electronic payments were made through XXXX. When I contacted them to request proof of payments, they advised me that they are unable to investigate anything beyond 10 years. 

During a move from XXXX XXXX in XXXX, New York to XXXX XXXX, New York the bag with papers and other personal effects were lost. In this bag contained the pertinent letter ( amongst many other important items ) necessary to provide to show this debt has been paid. 

When I contacted XXXX XXXX directly ( customer service representative XXXX, employee number XXXX ) advised they do not have any records whatsoever for me. I was then referred to XXXX and spoke with XXXX. XXXX researched their records/files, including their archives. The only documentation they have is for a loan disbursed in XX/XX/XXXX that has been paid ( loan number XXXX ). 

I was referred to XXXX because all XXXX XXXX records were forwarded to them. Which brings me to the most perplexing matter ; If my loans were with XXXX XXXX, paid off with XXXX XXXX in XX/XX/XXXX, and all records transferred to XXXX and they have no record of an outstanding debt then how did Higher Education, XXXX XXXX, and XXXX XXXX become a matter of concern? 

I asked for validation and verification. I was sent a typed document with mark 5 integrity token in the signature line. I was not sent my original documents as stated is required. How is it possible for me to be responsible for these monies? This is unfair and simply criminal. This debt is not mine. Please, please help me. My entire life is a stand still for matters that are not mine. 

This should be removed from my credit report and my name cleared. Please reach out to me with any questions. This is not my loan and other wise has yet to be shown.
I changed my address for my account at Ally bank to a local address in XXXX, WA. Ally bank once again locked me out of my account without even contacting me at all and are stating that they need verification that i live at that address. This address is for a food bank. I am homeless and therefore do not have any utility or other bills sent to this address. This is an ongoing problem with ally bank, but not a single XXXX of my other institutions. not XXXX, not XXXX, not higher XXXX ( my student aid bank ), not a single other financial institution has a problem with me or my addresses, but ally immediately shuts down my acct everytime i try to change my address with them. They even once changed my address against my will and without authorization, then tried to lock me out yet again. I am sorry that i do not have a permanent address like most people but surely there are other people this is happening to. my dad retired as a XXXX and had a XXXX for years and never had a single problem, but yet ally wants to give me problems all the time. This is discrimination against the homeless and i am sick and tired of it. this is like the XXXX or XXXX time ally has locked me out of my account and refused to allow me access to my own money. How are they allowed to repeatedly do this???!!!
As a result of the account hack of Equifax in XXXX the following fraudulent hard inquires appeared on my credit bureau report : XXXX -- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX At the time in XX/XX/XXXX I made contact with the creditors and with Equifax. I filed a dispute with Equifax requesting the inquiries be removed. I contacted XXXX and XXXX -- XXXX XXXX. XXXX prepared a letter and sent it to all credit reporting agencies advising the inquiry should be removed from my file -- Equifax totally ignored the letter, and it still shows on my file. Equifax and XXXX both ignored my dispute in XX/XX/XXXX and this inquiry still remains on my file today. XXXX and Equifax did nothing and as a result a XXXX transaction ( ID THEFT ) was opened on XX/XX/XXXX in the amount of {$280.00}. XXXX and Equifax were both negligent in their failure to act and their failure to notify me that a fraudulent account had been opened in my name. At that time I also put a 90 day security alert on my credit files. After receiving no payments XXXX charged the account off and sent it to a collection agency ( XXXX XXXX, XXXX, FL ) on XX/XX/XXXX with a balance due of {$280.00}. The XXXX XXXX promptly added this collection to my credit bureau files, thus damaging my perfect credit report. After much effort on my report I obtained letters from XXXX and XXXX XXXX instructing Equifax to remove the collection from my files. Since that time I have filed 2 additional disputes requesting the fraudulent Inquires be removed from my credit file. The XXXX Inquiry was directly related to the theft ID account which was opened, and Equifax had a letter from XXXX advising their Inquiry should be removed. In spite of this and hours of effort on my part, Equifax still refuses to remove these illegal inquiries from my file and my credit score continues to be negatively impacted. On XX/XX/XXXX I filed an Identity theft complaint with the XXXX XXXX XXXX Department and they subsequently forwarded it to XXXX XXXX where the transaction took place. I have done absolutely everything possible to resolve this matter with Equifax, all to no avail. All I get from Equifax are worthless form letter e-mails advising the dispute was completed, but there is never any change made to my file?? When I try to open their emails for dispute results all I ever get is a message saying the information I entered does not match their records?? When I call I always get an employee who is not fluent in English and nothing gets resolved. Equifax created this problem with the account hacking, they have a great deal of liability, and yet they do nothing to fix a serious problem they created?? XXXX and XXXX were responsive and great to work with -- the problem is Equifax! I have detailed documentation on this matter. ALL I WANT IS FOR EQUIFAX TO REMOVE THE TWO ILLEGAL INQUIRIES FROM MY CREDIT BUREAU REPORT SO MY CREDIT SCORE IS PROPERLY REFLECTED.
I applied for a loan with Chase. The loan lender advised that my down payment is good and the close can be done in two ( 2 ) months at max. I locked the loan for two months ended on XXXX/XXXX/15. Many delays occurred by the bank, attorneys and title company. The bank contributed in this delays. I should be closing on XXXX XXXX, 2015. However, I received a call from the bank stating that I should pay {$3100.00} for loan extension although I responded to all there request within a day or tow. The chase underwriter and loan officer keep asking for information piece by piece and delaying the process although I keep asking please let me know if anything is needed. Chase completed the file on XXXX/XXXX/15 with a mistake from the title company that the taxes is approximately {$19000.00}. correct taxes should be XXXX. I have pointed this mistake to the loan officer. This mistake cause further delay that would be avoided if the underwriter & loan officer paid attention and compare with initial payment estimation. 
In summary this delays occurred due to : Lack of communication between the bank and the attorneys of record. 
The bank attorney has not request all info properly, as per the realtor and seller attorney. 
Many delays because of the bank was waiting for the contract to be initialed by the seller. 
The bank underwriter and loan assistant keep asking for supporting document piece by piece every week which delayed the process. I have provided all documents within a day or two at max. 
The title company delayed the title report and provided the report with mistakes that cause further delayed of the process. 
Lack of communications between bank, attorneys, & title company. 
Not responding on time to schedule for the close-out day although I expressed that I will free myself any day and anytime. 
I strongly believe that the bank contributed to some of the delay and should be responsible and waive such fee.
I never open or purchase anything from JH Portfolio Debt Equiti, they are reporting me as being in Collection in the amount of XXXX $ which is false reporting because I never did business with JH Portfolio. Presently I have a 100 percent payment history and this false reporting is causing my credit score to be low and I am unable to obtain loans. Please help me to get JH Portfolio removed from from my credit report.