WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to get a home loan with Private Bank and working with XXXX XXXX since the XXXX to lock in my loan. She has been very unproffesional and my loan amount and closing cost have changed over XXXX times. I orginially was receiving a state sponsored grant and was waiting the extra 30 days to process this grant. However, XXXX was n't aware of the techniqualities of the grant so a week before closing she told me I was n't able to receive the grant and had to rework my loan. Fast forward to closing, 20 minutes before closing XXXX sends me an email stating that I have too many credits and I need to bring an extra amount to the closing. I called, emailed and received no response. You would think XXXX knew this once the HUD statement was released or by her using her 20+ years as a mortgage lender ( she tauted this many times ) she would have known the laws and understand before 20 minutes of the closing that my loan was incorrect. My realtor called her to try to settle it and they exchanged unpleasant words. I received an email from XXXX an hour later stating that because she got into with my realtor she is quitting my loan. At this point I have no idea when I am closing, my things are packed and I am being kicked out of my apartment. The Private Bank has n't returned my emails and I am in the dark. I do n't know what to do, so I am sending this message in hopes that someone can help me.
I have been banking with bank of america for close to 10 years now. I recently in  XXXX ,   XXXX   transferred my balance from my bank of america account to a new account with  XXXX . i sent a  XXXX  dollar payment in  XXXX ,   XXXX   my account should have been paid in full and that should cover anything leftover. There was a  XXXX  dollars left ; i was with the understanding my whole balance was  XXXX . So i had  one  missed payment. instead of being notified i was reported to the credit bureau and my credit limit was slashed from  XXXX  to  XXXX   ,  which plummeted  my credit score m ore than  XXXX  points. This is wrong i had  one delin quency ( that should be removed under the case of misunderstanding/ miscommunication ) and now everything i have built gets thrown away and i 'm told there is nothing that can be done. Im a veteran who has recently been looking to get a home I cant use this  credit score hi t, this is criminal what has happened. I paid  XXXX  dollars  a two  months before this, i cant get a grace period or a phone call to be notified.
I took out a XXXX XXXX from XXXX which was then bought by Discover. I received a deferment on paying back the loan and the loan capitalized adding {$500.00} to my principal. Discover never adjusted the principal amount when reporting to the credit reporting agency so although I 've paid over {$800.00} in principal its being reported that I 've paid far less which has had a negative impact on my credit score and ability to obtain credit. I attempted to resolve this issue through Discover but they refused to help. Then I attempted to submit a dispute with the credit agencies individually by providing them with a statement of all the payments made to Discover showing the Principal amount is inaccurate. They completed their investigation and refused to correct the error because Discover informed them the principal amount is correct.
I was released on XXXX bond was not required. My family did not know that I was going to be released on XXXX They went to XXXX .the night I was released scared and not knowing what was going on and that my paperwork when I was released said OR. 
The Judge told me to have XXXX call him that I did not owe them. I then went to XXXX told them what the judge said. They just ignore me. I then went to judge he said I was not obligated to pay them.
I do have a cash back checking account with Discover bank XXXX XXXX XXXX XXXX, UT, XXXX, and the XXXX number is XXXX and the account number is XXXX ). The Discover bank mistakenly input my bill payment amount as of XXXX dollars paid to my Discover Card on XXXX XXXX, 2016. The statement balance of my Discover card is just XXXX dollars. Apparently this transaction is voided. But, Discover bank billpaymnet service provider XXXX tried to withdraw the invalid fund from my cash back checking account with Discover bank twice on XXXX XXXX and XXXX, 2016 without my knowledge, which led to insufficient fee charge of XXXX dollars against my cash back checking account on XXXX XXXX, 2016. I need Discover bank to return the insufficient fund fee charge of XXXX dollars posted to my account on XXXX XXXX, 2016.
A recently run credit check ( XX/XX/18 ) revealed that there was an open credit card through XXXX XXXX/XXXX XXXX XXXXXXXX. I've contacted by XXXX XXXX XXXXr, as well as syncrony bank  today ( XX/XX/18 ), and neither have any records indicating that there is an open account under my name/SS #. They both suggested that I report this to the credit bureau. 
Please assist and advise. 
Thanks
I spoke with Sallie Mae regarding my student loan repayment options and requested an alteration to the length of the loan to reduce my monthly bill. However, they did n't even think for a second, and simply said " No, we do n't do that. You owe what is on your monthly statement. ", then asked if I wanted to make a payment. When I said that I did not want to make a payment at that time he said have a good day and hung up. Because the federal government has decided to let student loan providers XXXX anyone trying to better themselves they apparently do n't care at all about their clients once they have you on the hook. They know that there are no available options for people like me, legal or otherwise, to even get help on handling this debt. I did n't ask them to forgive my debt, and I was trying to offer a way I could pay them back, but since they are above the law they know they can just tell me to XXXX and simply garnish my wages. I am now in a situation where I am having to consider filing for bankruptcy. If Sallie Mae could work with people there would n't be so many individuals in default on loans, but I know I ca n't do anything about this debt, so I have to see if I can do something about other debt.
From XXXX XXXX to XXXX XXXX account my wife and I ( XXXX XXXX & XXXX XXXX XXXX XXXX made payments to our home equity line of credit with Bank of America ( A/C # XXXX XXXX. Our payments were made according to the terms of the loan and in excess of the amount due each month. In XXXX and XXXX of XXXX, payments were made, and subsequently returned to us because, according to Bank of America, we were not paying less than scheduled amount. This payments were no different from the ways we have made payments of XXXX in terms of paying more than scheduled amount by Bank of America. Therefore, the only XXXX months where payment failed to post to this account were due to payments returned by Bank of America. 

In addition, the payments which were designated as late on the attached credit report are not designated as late payments within the Bank of America system. Please see transaction dates between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX vs XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. As you can see from the Bank of America print out, also attached, there are illogical and indiscriminate late payments/fees associated with the account XXXX. There should be no such notations since payments were made every month as required for this HELOC, from XXXX XXXX to XXXX XXXX.
I am currently XXXX days past due with Selene Finance. I fell behind because my XXXX  went on XXXX XXXX XXXX. XXXX XXXX sent a Notice of XXXX XXXX XXXX. At this time I was XXXX days late. They said I had to bring the account current or they would proceed to foreclose and gave me until XXXX/XXXX/XXXX to make the past due payments plus any late fees accrued. 

I reached out to them immediately and asked for a XXXX month repayment plan for the amount that is past due. Selene said I had to submit an application that had to be reviewed by underwriting. I did this and Selene acknowledged they received the completed required paperwork on XXXX. They claim underwriting is still reviewing the application and have not offered a repayment plan. They will not acknowledge the CFPB rules and said that even though my application is under review, it still could be referred to their foreclosure department. If this happens, they will add additional fees to the amount owed. 

I am not even XXXX days late and I want to bring the account current. I want to clarify that Selene Finance must follow the CFPB rules in Michigan and not proceed with any foreclosure filing prior to XXXX days and while the account is under review for repayment options.
On Tuesday XX/XX/18 I had two pending charges from XXXX XXXX : {$72.00} for loan payment & {$25.00} for a late fee. I did not authorize them to take the payment from my account. I have sent two message to multiple employees and received no reply. The charges have since posted to my account. 
I do owe them the money but need to make arrangements. I am also considering filing bankruptcy which I notified them of in my first message.
Today, XX/XX/XXXX, XXXX XXXX XXXX XXXX New Jersey attempted to perform a credit check through Experian to allow me to finance the cost of installing a new furnace in my home at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX where I've live with my family for XXXX years and have had an account with XX/XX/XXXX that supplies our natural gas and electricity. Experian responded to XXXX XXXX XXXX that there is a freeze on my credit report account and that I need to unfreeze the account for them to release the requested information. Please note that I had my identity stolen in XXXX, XXXX, and following the Federal Trade Commission 's protocol, I had my credit frozen for 7 years. On Experian 's website I filled out the form to unfreeze my account and received a message that stated, " We are unable to process your request as our records show you do not currently have a security freeze on your credit report. '' Consequently, I am unable to get the credit approval to go forward and have the furnace replaced. All I need to do is to temporarily lift the security freeze on my credit report at Experian. Please note that XXXX XXXX XXXX utilizes only Experian for credit checks. So according to Experian, I do and do not have a security freeze on my credit report. Please advise me as how to resolve this issue. Thanks in advance for your assistance.
I pulled a tri-merged credit report and all the bureaus report a debt from XXXX XXXX XXXX collection company on behalf of XXXX for {$170.00}. I do not recognize this debt and want verification. I was unable to dispute this debt online directly with the bureaus. I tried to obtained a copy of my reports directly with each report agency and have not been successful.
Bank of America has refused to fairly consider a claim for unauthorized use of a debit card for XXXX transactions at a merchant where other authorized transactions have occurred. Each unauthorized transaction was processed as a " credit '' transaction ; no PIN was involved. The merchant has a video of the perpetrator who used the debit card and can confirm that the person depicted in the video is not the account holder. Bank of America has not contacted the merchant as requested and Bank of America refuses to compare the signatures of the unauthorized transactions to other authorized transactions with this merchant.
BB & T was involved in A federal investigation. The other banks settled. Where BB & T would n't. XXXX XXXX was convicted of the crime. Now there 's a lien against my dead father.
There are inquiries on my credit report that are not mine and someone has been trying to open accounts in my name. I am in the process of contacting the appropriate authorities. The following inquiries are from identity theft and not mine. Attached is a copy of my FTC affidavit. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I began a loan refinance with Band of America Home Loans on XXXX XXXX, 2016. On XXXX XXXX after giving all information to Loan Officer my loan was denied without any full explanation of why or other alternatives. Furthermore, I was told by Loan Officer on XXXX XXXX that if Loan did not close I would be refunded the appraisal fee of {$690.00} and on XXXX XXXX when loan was denied I was told I am not entitled to a refund. I have left a message with Branch Manager XXXX XXXX which has not been returned and was told I would be called this evening by another manager and was not. I am disputing the charge with my credit card company and want Loan Officer XXXX XXXX to be investigated for verbally telling me before XXXX transaction for appraisal fee that this would be refunded if loan did not close. This information was recorded by Bank of America.
My mortgage was sold to Freedom Mortgage company. In the course of less than 6 months, Freedom Mortgage company has repeatedly mismanaged my escrow account which has lead to 1 ) a shortage in my escrow account to cover home property taxes 2 ) an inaccurate escrow evaluation on XX/XX/XXXX in spite of accurate state tax information that is available online and that I also provided via fax on XX/XX/XXXX, and 3 ) refusal to correct the inaccurate escrow evaluation in a timely manner and communicate changes to me. 
I have made multiple phone calls to Customer Service both before and after requesting an escrow evaluation be completed on XX/XX/XXXX. During that call, I was told I had to provide my property tax information, which I did on XX/XX/XXXX and received an email stating that it may take up to 30 days to address my questions. No correspondence was received within that timeframe. I called Customer Service again on XX/XX/XXXX and requested an escalation of my request. I was told that I would receive an updated escrow analysis by early XX/XX/XXXX, which would be in effect for the XX/XX/XXXX payment. On XX/XX/XXXX, I logged into my account online to pay the mortgage due by XX/XX/XXXX and found an amount due that was greater than the amount on my XX/XX/XXXX statement. I made a call to Customer Service, who told me that there was an escrow analysis completed on XX/XX/XXXX and that the payment would be in effect for XX/XX/XXXX. I pointed out to her that this was in direct conflict with what I was told when I called on XX/XX/XXXX, and that no updated document was posted online nor mailed to me. 
This company has failed repeatedly to handle my escrow account appropriately or communicate changes. Their incompetence has caused me to spend multiple hours on the phone with Customer Service while my escrow account continues to be under-funded and mismanaged. How can I as a consumer request a change to my mortgage lender? I would never, ever, choose this company for any service.
Note : This is my Second complaint to CFPB and my 5th dispute with Experian.

Experian have yet to provide me with ANY copies of original documents ( a original signed contract with my signature ) that's required by the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to PROMPTLY DELETE this Negative XXXX XXXX account # XXXX. 

Note : XXXX have Deleted this Negative UNVERIFIED ITEM
I filed bankruptcy and everything was discharged except my mortgage and car loan. The car loan was with 5th Third Bank and an investigator is calling my duaghters and my place of work! His name is XXXX XXXX at XXXX. I have asked him to not contact me any further.
I received a letter from SunTrust Bank dated XXXX/XXXX/XXXX in which they announced a 37 % increase in late payment fees. Specifically, it reads " Based on changes in consumer price index, the amount of the first late payment or first returned payment fee is changing to up to {$27.00} ''. 

However, a look at the actual XXXX data provided by the XXXX XXXX XXXX XXXX clearly shows that the XXXX has been *decreasing* since the middle of XXXX, and has actually been running slightly negative in XXXX so far. I called SunTrust at XXXX and talked to someone by the name of XXXX who told me that " this department does n't handle that ''. When I asked him to tell me who did, he placed me on hold for 10 minutes. When he came back, he informed me that there was no one to talk to about this. 

I think that I 'm entitled to an explanation when a bank fee suddenly jumps by over one third, instead of getting the typical bank stonewall treatment.
I am in the process of obtaining a mortgage loan and am trying to remove 2 items with Barclay Bank that are reporting as delinquent, despite the fact that they have been paid in full since XX/XX/XXXX. I need to resolve this as quickly as possible as my closing date is set for XX/XX/XXXX and we need to lock my mortgage rate 15 days prior. I have been trying to resolve this issue for the past few months. I had 2 credit cards with Barclay Bank that went into delinquent status in XXXX and were turned over to debt collection agency XXXX XXXX XXXX. On XX/XX/XXXX I paid the full balance due on both accounts to XXXX and have a letter of receipt for both provided by XXXX. ( attached ) XX/XX/XXXX, I called XXXX to find out why it had n't reported to the credit bureaus and was told I would have to resolve this with Barclay bank directly. I was given very explicit instructions to speak with a supervisor to get this information. After several attempts, I was told there was nothing they could do that it was my responsibility to dispute it. My mortgage lender has been assisting in the process of getting this removed, speaking directly to Barclays with no result, working through their credit reporting company and has mailed dispute letters ( attached ) on my behalf to the credit bureaus. In a last ditch effort, today ( XX/XX/XXXX ) he mailed the letters and receipts to the credit bureaus after getting no result to date and suggested that I file a complaint with CFPB. Barclays has been unwilling to accept my authorization to reach out to the credit bureaus to update my information and has been unable to provide any help on this matter. Barclay has been unwilling to help resolve this matter and it is wrong. It has now been nearly three and a half months since I paid this debt. I need to get this removed as soon as possible so that my home loan can move through at a reasonable interest rate.
Equifax will not put a credit freeze on my account without sending or faxing personal I D including social security number. And they made me give them my SS number over the phone. 

It took me 2 minutes to freeze my account with XXXX and XXXX. 

Equifax is giving me the run around.
I submitted a payment to Care Credit ( Synchrony Bank ) on XXXX/XXXX/16 in the amount of XXXX. Prior to this payment I initially submitted the payment from a closed account and have been trying to get this fixed ever since. Once I made the good payment on the XXXX I was advised by XXXX the payment would take 7 days or post by XXXX/XXXX/16 at the latest date. On XXXX I called and spoke with a csr rep about my available credit update. He stated it would be updated in 24 hours along with the XXXX payment I made. On XXXX my available credit was updated not the payment. I did an online chat in which the rep stated the payment would be released on XXXX. Today I called to see what was going on and I spoke with " XXXX '' again. She is now stating the payment will be released on XXXX ( a saturday ). I said that made no sense and advised her of the transcript. She was adamant stating the payment was too large to release. I then asked her what was impacting my available balance. She told me a dentist office and to call them. I asked her for screenshots of the pending charge and was turned away again. She advised there was nothing she could help me with and continued to forward me to the " dentist '' office for the pending charge that was not showing on their system. I feel very uncomfortable with this agency which is formally GE capital. This is not the way a consumer should be treated.
XXXX XXXX has been routinely calling my phone number multiple times per day, often calling from a restricted number. I have stated multiple times I do not wish for them to keep calling me, as I have access to my account online. I live paycheck to paycheck, and sometimes the due date comes a couple days after I get paid. However I have always paid my credit card bills with comenity, if by a few days late. It is extremely annoying to have my phone ring constantly, especially when a legitimate business masks their calls, which I think should be against the FTC guidelines, but it's shady as it is!
First off, my mortgage company said that I owed {$8000.00} on my   XXXX   statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on  XX/XX/XXXX  and cleared the mortgage company on XX/XX/XXXX . In  XXXX , I received another bill saying that I still owed an additional 6k over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that   XXXX   ( loan servicing company ) reported to all  XXXX  credit bureaus that I was late for my   XXXX   payment. My broker at   XXXX   XXXX   XXXX   got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of  XXXX  to an average of   XXXX    and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems.
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In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the  XXXX  or the latest the  XXXX  of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the  XXXX  then they charge me at least {$120.00}.
I called Transunion, XXXX, and XXXX to make sure my fraud alert was put on my file, Transunion and XXXX are the XXXX that are giving me the run around and said it was and I asked them about all the inquiries that I had no knowledge of and asked them why they took them off then put them back on again. I was told I had to contact the creditors directly and discuss it with them but all this was taken off and put back on she said by mistake. How is that a mistake?? I have a copy of the police report sent out to all XXXX credit bureaus. XXXX was able to take them off the same day over the phone but I feel like the other XXXX just do n't want to do their jobs.
Received collection ca ll from Ocwen mort gage on  XXXX / XXXX /   2017  about my  XXXX     2017  mortgage payment. She asked me if I was able to make the payment I told her yes to do a e-check if there was no charge. She looked in system & set up draft from account & then told me there was already a payment set up in the system to come out. I asked her if she could verify the day the payment was schedule to come out of my account & she told me her system did n't show her the date. I asked if she was sure & she confirmed yes payment will come out of your account. I received a call today fro m Ocwen who advised me that  XXXX  2017 payment was not made & I told her of my last interaction with a Ocwen rep last week of  XXXX . She told me she would send info to the research department. I am sure Ocwen records their calls. All they need to do is pull the tape of the call & verify what that the rep told me payment was al ready schedule. It is not unusual for me to set up auto draft payment early in the month to come out on payroll date & get collection calls after payment has been scheduled. I need CFPB to help me get the 30 day late removed from my credit report.