WillisBack/dataset-financial-user-claim huggingface dataset:
I received correspondence from Capital One dated XXXX XXXX, XXXX about all three of my accounts with them ending in XXXX, XXXX, and XXXX being severely delinquent and over limit status and I was instructed to destroy my cards and not use them. I have contacted Capital One for explanation of this matter as the allegations on all accounts were all false on XXXX XXXX, XXXX and I have had an excellent credit history with them prior to XXXX XXXX, XXXX. I even have recorded phone records to prove the account representative on the phone said my accounts were in good standing on XXXX XXXX and she does n't know why I received the letters.The letters sent me are attached. In a reply letter from Capital One XXXX XXXX XXXX, XXXX, they continue to dance around the issue and directly address the date of XXXX XXXX, XXXX and the status of my accounts on that date. They are committing fraud and have unethical business practices and no one within the company appears to be competent enough to address the XXXX XXXX, XXXX status of my accounts that were in good standing. They have failed to show me booking entries to prove on XXXX XXXX, XXXX these accounts were all severely delinquent and over the limit as they have accused me of. Their pointless computer generated responses are a waste of time as they have no name attached, are unsigned and they do n't answer the questions and are in violation of the law with silence in the matter. Not answering the question is silence of acquiescence. Their computer generated unsigned responses with no name on it is a protection mechanism in an attempt to hold no one accountable for their unethical business practices. Additionally, XXXX XXXX, XXXX Capital One has received an affidavit from myself stating the facts about the fraudulent acts and on this day my signature has been rescinded from the original application due to fraud.
I opened a checking account in branch on XXXX for a {$500.00} bonus. I completed the requirements for the bonus but only {$300.00} was credited to my account on XXXX. I sent a message to the company on XXXX and was told that the bonus for {$500.00} didn't exist. I told them that I had documentation showing my bonus and they told me I had to go into the bank. I went into a branch on XXXX and my documents were uploaded. I was told it would take a week to fix and I heard nothing. I sent another message on XXXX that asked the status and was told that my request was esculated and I would hear in mail in 14 days and I haven't received anything.
We are looking at a XXXX in NJ. The XXXX was for closed and is now owned by Nation star Mortgage. Nation star is requiring all potential buyers to be pre-approved by Greenlight loans, LLC., regardless of having a pre approval letter from another lender ( which we do ). Greenlight loans is a division of Nation star Mortgage. Nation star in no way reveals to potential buyers that they own Greenlight. So we have a seller requiring us to get pre approved with their own mortgage company which they own and directly will benefit from. 

I feel that we are being steered and pressured to use their own mortgage company. Additionally, I am concerned that they will not do due diligence in our pre approval as our income is largely XXXX and Schedule E ... our current pre approval was done by a very experienced broker and underwriter who took a great deal of time to look at all of the details. 

Lastly, I would like to remain anonymous as I do not want to hurt our chances in purchasing the property.
XXXX ,  XXXX  has been removed off my  XXXX  and  XXXX  credit report but it is still on Equifax and I would like for them to remove it off my credit report
Hi- I am a former Univesity of XXXX  School of XXXX student. I attended XXXX from XX/XX/XXXX-XX/XX/XXXX. I, unfortunately, had to borrow to finance my education. Federal loans were not enough to cover the full balance and I had to also take out private loans to cover tuition costs. I was in the process of refinancing my loans this week and noticed 3 " fees '' that were charged on 3 of my student loans titled " repayment fees '. These fees were charged in addition to the capitalized interest that accrued while I was attending school. The fees were around 5 % of the loan balances and totaled nearly 4,000 dollars. Of course that amount is then repaid, with interest, for 30 years. I'm actually afraid to calculate how much I'm actually paying for this fictional fee over the term of the loan. I have ZERO recollection of this fee ever being mentioned to me by anyone at any point in the process. Not during the application process or by the student loan office at the University of XXXX. Just shameful that they would be a part of it.

I've requested the loan disclosures and promissory notes on all 3 documents. That Navient and my University would be a party to this makes me sick to my stomach. Its criminal and should not be tolerated by our government. Saddling kids with enormous debt to get an education is bad enough- legitimately stealing from them through fine print should put people behind bars. I'd love to talk to someone at the CFPB or at a law firm that will handle a class action on this- that will be my next email. Thanks!
My loan was sold to LoanCare and my first payment was due XXXX/XXXX/16. I sent it off via my electronic bill pay on XXXX/XXXX/16 and went out of town for 3 weeks. Upon return in late XXXX, they called and said they had not received it. That day I sent an email with proof of payment from my bank account, and they said they would research and contact me in 48 hours - they did n't. I called them ~1 week later, they were researching and confirmed it would n't be on my credit and they would waive fees. I called ~1.5 weeks later, after some back & forth ( they misapplied XXXX pmt as XXXX pmt ) I resent more information via email - was told they 'd get back to me in 48 hrs, they did n't. I was told again, it would n't be on my credit. On XXXX I received an electronic credit to my bank acct for the XXXX payment, so I sent it off again immediately ( they now have XXXX pmts in XXXX ) The reported me as a late payment in XXXX on my credit causing me to have issues closing my current loan. I 've now called them almost on the hour for the last 24 hours, and have been disconnected while on hold 5 times ( I 'm not making that up ) and spent hours trying to resolve. They say they will call me back and they never do. They are telling me it will be 1 week to research - I 've given them ample time since I 've followed up with them since XXXX and they have all of my bank statements at this point. I just need a letter stating they will delete it. I feel like a victim - they made an error that will cost me, they wo n't call me back, they 're going to take time to research, and they disconnect the lines when I call them. I 'm so emotionally traumatized that I ca n't express how upset I am in this email. I need a deletion letter " yesterday '' in order to proceed with my loan - otherwise I lose my earnest money, interest rate and the home I made the offer on, and all because of an error by LoanCare. I 'd work with them and just take a letter at this point, but they wo n't even do that. They should be investigated, and not allowed to service loans if they are not going to answer customer questions about our accounts, and are incorrectly managing their accounts.
I am being charge overdraft fee when my account is n't overdraft. On XX/XX/2017 I was charged 2 fee of XXXX dollars before I was charge those two fee I had XXXX since in my account.
Upon receiving a Special unemployment Forbearence with Wells Fargo, I was advised that at the end of the forbearence period I would receive a modification to obsorb the delinquent amount. I have been denied a modification after two years of applying. My loan has now been referred for foreclosure. Wells Fargo received, accepted and returned several payments for XXXX prior to the foreclosure. ( see CFPB letter )
The issue is with Greentree now Ditech. I received one of the first loan modifications from Greentree. The original modification agreement did not include a provision for " Deferral of Principal ''. Several months later, maybe even a year, I received additional documents that Greentree wanted me to sign to accept the " Deferral of Principal ''. I declined and did not sign the documents. I then received many phone calls telling me is was in my best interest to sign and return the documents. The phone calls began to get aggressive but I stood my ground and told them that is was their error, it 's not included and I wo n't agree to have it included now. That seemed to be the end of it until I went to get my payoff and the " Deferral of Principal '' was listed and included in the payoff balance. I have sent correspondence to Ditech who now services my account but with no results. I 'm hoping that this complaint made through your office will help me get a correct new payoff
Residential Credit bought my mortgage from XXXX. I was trying to do a short sale with XXXX when the mortgage transferred. Residential Credit requested paperwork to start this process. I provided all the documents they requested and then they would need other documentation to continue the process for a short sale. This continued for 4-5 months until I was informed that the loan was being sold to XXXX. 
I do not believe that Residential Credit worked with me in good faith on this process. They appeared to intentionally stall or not act on the paperwork I uploaded to their website as they requested to complete this short sale. 
That had an appraisal done on the property which was not comparable to the property I am trying to sell. The appraisal completed for Residential Credit was overvalued and done on a property which has XXXX homes on the land. They used this appraisal to initially deny the short sale. I was told that if I desired to dispute this that I could submit an appraisal. I uploaded this appraisal to their website as directed and no action was taken for over 2 weeks when I was informed that I would also have to submit a separate request to evaluate the appraisal I had submitted. This pattern of delaying continued until the date that the loan was transferred. 
I have multiple offers for the property and have had to extend contract agreements because Residential Credit will not act on these offers.
During the month of XXXX, I mailed a payment postmarked XXXX XXXX. The bill was due on XXXX XXXX. This is an automatic payment. I reviewed my account online, and I am being billed for a late fee. Looking into the check that was sent with my bank, my bank shows that it was cashed in time to meet the due date. I contacted Goodyear, and they are refusing to adjust their record to remove the late fee, or change the status of their credit reporting.
I was charged a service fee of XXXX dollars for 4 months before I caught it. Associated bank of Wisconsin raised the minimum checking balance from XXXX to XXXX dollars XX/XX/XXXX. I called Associated Bank and complained. They told me that I received numerous notifications especially to my on line banking mail. I have checked My history and there are no notifications. The total amount of fees collected were XXXX dollars. XXXX dollars for each month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. Associated did credit back XXXX dollars but would not give the full amount back to me.
I applied for autopay on XXXX/XXXX/16 with Navient for my XXXX loan. Despite the fact they have all the information from previous manual payments, they rejected my application ( thereby continuing to charge me an extra .25 % interest ). I called XXXX/XXXX/16 to complain about my manual payment pushing autopay back to XXXX/XXXX/16. After 20 minutes on hold, I was told my due date would be XXXX/XXXX/16, and autopay would apply for that date. I did not get the customer service person 's name. After that call, I received a letter rejecting my autopay dated XXXX/XXXX/16. Today, after seeing the letter, I called and spoke to XXXX in customer service, who told me he does n't know why my autopay did not go through. He suggested an error in the routing number, or names on the account, both of which were correct on the application, but he thought the new application, with the exact same information would. I have no faith, and I want a refund for the extra interest I 'm paying due to their screwup. I also believe this process should not take 10 days, with no confirmation and no way of checking the progress via the website. It 's ludicrous.
This company is illegally reporting their negative trade line on my credit report. I have no knowledge of this company nor due I know what this debt is about. I have never received any correspondence from them in regards to debt they claim I owe. I do not owe this company any money nor do I owe money to XXXX XXXX who they claim they work for. I do not have a signed agreement with this company or with XXXX XXXX This company is violating my rights under the FCRA under New York state law. They have 15 days from the date of receipt to remove their trade line from my credit report. Failure to do so will force me to take legal action against them.
I have XXXX accounts from XXXX XXXX XXXX reporting on my Equifax credit file. After numerous disputes, I have received no resolution. I informed them that I have an open investigation with the CFPB - case # XXXX andthey advised me to file a complaint with the CFPB.
I had opened a XXXX account when in a Chapter XXXX bankruptcy in XXXX 2017 I had to convert to a Chapter XXXX by no choice of mine but due to a mortgage company not being able to do a modification. I understood that while I was going through the chapter XXXX the accounts would be frozen from charges but not from making payments. so I continued to make the payments. I was then told in XXXX to send over discharge to evidence none of the accounts were included in the bankruptcy. which I did and was able to use account and even received credit line increases. I went to go make a payment on the XXXX account and was told it was sent to collections because of the bankruptcy conversion. when I called to discuss and explain to them that they had requested I fax over the discharge paper in XXXX to open the accounts again I was told all my accounts would have to be closed due to conversion. Why ask me for discharge to evidence that the accounts were not included if you were going to close the account. I have used the account since bankruptcy and it was 10 months ago so why such a lag? I feel the accounts should be open and be able to be used as I have been making the payments on them since conversion and some of the accounts were paid off during that time.
Moved shortly after purchasing new single wide and sold house back to company. Company even sent a check for the difference. Now on my credit report as a voluntary repossession which is not correct. No amount should be owed especially if company sent check after moving the trailer. Vanderbilt mortgage gave us no issue during transaction yet when checked credit report it 's now down as a collection which is terribly impacting my credit report inaccurately.
I have sent several letters to XXXX, XXXX, and Transunion to clean up the inaccurate names and addresses on my credit reports more than twice and they still not have been deleted. I also requested that a two inquiries that I did not make be removed as well and they were not. I am escalating to CFPB in order to rectify the situation and have the inaccurate information from my credit reports deleted. 

Inaccurate Name ( s ) : XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Transunion Inaccurate Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, GA XXXX XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018 Transunion Unauthorized Inquiries : XXXX XXXX - XX/XX/2018
The lender has failed to make contact or respond to the QWR request sent on  XXXX / XXXX /   2017  - The lender is in violation of RESPA guidelines with not responding to our request and the clients right to counsel.
I was negotiating a purchase at XXXX XXXX using a credit card that had been previously opened through XXXX XXXX, but separately managed by a credit card company. I asked if a request to increase my credit limit would count as a hard inquiry on my credit report, and the representative at XXXX XXXX told me it would not. When asked for the qualifying information to request the limit increase, I miscalculated my monthly income, and only reported 50 % of my monthly income. The next day, when I realized my calculation error, I called the credit card company and proceeded through the recorded prompts to request a limit increase using my corrected calculations. XXXX requests to increase my credit limit were recorded as hard inquiries on my credit report. The XXXX inquiries are recorded as having been requested on consecutive days, but XXXX came from the same company. I accept that the representative, who I first spoke to at XXXX XXXX, was misinformed, and did not understand that a request for a credit limit increase would count as a hard inquiry. However, because XXXX requests for limit increase took place in a short period of time, I feel that the XXXX should only be reported as a single hard inquiry from the credit card company. I would like for XXXX of the inquiries to be removed from my credit report.
WHEN FILING BANKRUPTCY DOES NOT EQUAL A FRESH START! 

As of XX/XX/XXXX, our bankruptcy became final. Despite the downward spiral of the economy at that time, we believed we were given a fresh, new start. Little did we know that eight years later, while applying for a VA mortgage refinance ( Ref. :  # XXXX ), we would still be stuck with a remnant of a second mortgage which was specifically included with that bankruptcy. 

Turns out that XXXX XXXX XXXX, now XXXX XXXX, had insured our 2nd mortgage ( Ref. : # XXXX ), through XXXX XXXX XXXX XXXX XXXX of NC, c/o XXXX XXXX ( Ref. : Acct. # XXXX XXXX ), who then, unknown to us, retained a lien on our homes title. So, in order to clear the lien and secure the new mortgage, we had to pay the insurer {$17000.00}. That money was originally slated for some home improvements and bill consolidation.
Here are my points : The original Fresh Start intent of this bankruptcy was totally defeated by the above activity. Plus, we would have gone to our graves while not knowing that our heirs would have to deal with this problem. How embarrassing. Now, if all of this is legal, what good is it? What purpose does it serve, except to protect only those who need it least?
I still have the paperwork and details of the above, as well as of the ignored attempts by us for a Mortgage Loan Modification in XX/XX/XXXX, while the economy and our business started really going south. ( Please note, that the original mortgage was finally modified ( Ref. : XXXX & XXXX XXXX # XXXX ) after the bankruptcy, which then avoided foreclosure. ) When I queried the reason they werent responding, I was told that the bank was so busy, that they were answering only those who were already in arrears ... which, we werent, yet. Of course, there begins the rest of the story, which lead to our filing bankruptcy and later, during better times, the story above. 

If someone in your offices can see there is a more positive resolve for us, in this {$17000.00} confiscation, Id be more than happy to supply all the necessary documents. Please, just let me know. 

Thank you.
I called Equifax 19 times and asked them to remove XXXX of the XXXX inquires on my report that do n't belong to me. I was hung up on 10 times and the other 9 times they told me that I had to call the original creditor. When I spent two full days calling all these creditors all the responses ' where the same. I needed to address it with Equifax. They are running me back and forth in circles. I was XXXX from XX/XX/XXXX to XX/XX/XXXX and the only inquiry on there report for me that is mine is an account I have with XXXX XXXX.
The Stillman Law Office has been collecting for a XXXX XXXX XXXX credit card that had gone into collections. Stillman filed a Writ of Garnishment XXXX/XXXX/XXXX and I immediately filed an answer to stop this by applying for periodic payments XXXX/XXXX/XXXX. We went to court XXXX/XXXX/XXXX and we agreed on monthly payments. After the confirmation that the writ was canceled, my employer is still getting letters about the garnishment. It is very distressing and embarrassing that they are still trying to collect on a garnishment that is no longer in place.
On XXXX XX/XX/2017, I opened a new credit account through American Eagle Outfitter with Synchromy Bank XXXX Then on XXXX XXXX, 6 days later, i received an email saying my statement period had ended and I owed {$25.00}. It said I could view or pay balance by clicking XXXX of XXXX links. I click the links and could not view or pay as I hadnt received the card yet to register my online account with them. So my due date with them is by XXXX XXXX. I have no way to log in or pay this statement balance/. I had this account 6 days before the statement was printed and with the due date of XXXX XXXX, my account will not even have been opened 30 days and it will already be overdue! This is unfair practice to the consumer!
I was a vcitim of the trans Union Inquiry issue. I contacted customer service and they would not help me delete my inquiries which are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX