WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX company did not process the refinancing for XXXX mortgages in compliance with the Truth and Lending Act. As a results, I lost the opportunity to save thousands of dollars in savings. I also paid for {$900.00} for the appraisal fees that were not used. 
On XX/XX/2016, I applied with XXXX to refinance my personal residence and a rental property. After I submitted all the required documentation, the lender approved my application and promised to close within 60 days. The lender provided the disclosure documents on XX/XX/XXXX and the locked in interest rate agreements at interest rate of 2.875 % with XXXX discount ( {$2600.00} credit ) point for the principal residence and 3.375 % ( no discount points ) for the rental property. During next months, despite many phone calls, messages and emails, the lender did not do anything to reach the closing of the XXXX refinances. On XX/XX/XXXX, the lender called me and asked to renegotiate the interest terms since the initial lock-in agreements were expired. He offered new rates and I requested to lock-in 2.75 % ( no points ) for the residence and 3.375 % ( no points ) for the rental property. These new rates were significantly higher making the loans a lot more costlier. On this occasion the lender did not provide the disclosure forms, good faith estimates, and the lock-in agreements. Few days later I contacted the Lender to obtain the status and the lender responded that lock-in agreements. He mentioned having problems with this commitment desk. He also said that the interest rate are a lot higher. 

I believe that the Lender intentionally delayed processing the loan in order to let the lock-in agreement to expire and then offered hire interest rates that were not beneficial for consumer. The loans applications were not rejected I conclusion, I feel that the lender was negligent and discriminated against me when processing the loans applications and as a result I lost the opportunity to save ten thousands of dollars.
I have disputed the late payment status reported on the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payment. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I have a judge, ent on my from a law company that for one never gave me an infoormaton on the debt but filed a lawsuit against me without any papers being sent to me. Only after the judgement was filed they sent me the information. On top of that they forced me or tricked me into signing or sending in paperwork for the judgement stating that I have ran out of time their collection of this debt has been shad since day one. I have been payng on the debt for months now and I get a letter today stating legal action will be filed against me if I do not contact them within 15 days. I have sent them throughout the past few months 4 emails that the continue to ignore. I have been paying atleast {$10.00} on the account every month if not more depends on what I can afford. I am tired of being bullied by them and harassed.
Amex debit {$52.00} dollars on my account on XX/XX/XXXX for the XXXX. But the XXXX contacted me that they never got the money so I Called amex and they keep running me around with total nonsense. 
I did everything in myside and they deliberately try to defraud me by not either paying XXXX or refund back my money.
Procollect this is an egregious display of greed. Here I am on a fixed income and you're trying to collect on a nonexistent fraudulent debt from a apartment complex I have not resided in for over 4 years now. 

Not only is it blatant identity theft. Its unprofessional for procollect to take upon debt collection on behalf of the original creditor without verification or even attempting to contact me.
I took out private student loans when I was in college. My grandmother was the co-signer. She got down and ill and passed away and all the student loan debt fell on me. I just could not afford to pay it. I 'm a mother of XXXX children living pay check to pay check. My student loan debt is more than my salary. I went to college to try and get out of property, but now I 'm just another person in property with a XXXX degree. This bondage has to be removed. Now my wages are being garnished and I do n't have enough money to provide for me and my kids needs. Please help. There has to be better way to handle this student loan debt. I want to pay them, I just can not pay that much at this time. I 'm being garnished almost {$700.00} a month. This is awful.
I noticed on my credit report there is an address being reported that I am associated with. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. While there is a similar address of XXXX XXXX XXXX XXXX, SC XXXX. 

As a result there are several accounts being reported erroneously. The account listed below does not belong to me and would like the reporting of the associated address and account to be removed from my credit report. 


XXXX XXXX XXXX with a {$160.00} balance
I spoke with and Representative on XX/XX/XXXX and told them that I would still be make the plan arrangement on XX/XX/XXXX due to my payroll company has been messing up for the last pay periods. I was threatening that my car would be repo and they can cut it off while Im driving that will endanger me and my family. I called back today spoke with a Supervisor I told him since I got this vechile my payroll hasnt been right he said you have 8 arrangements that you didnt keep I explained to him like did all he other representatives that I couldnt control that our company was changing payroll company and the process has been bad for us. He told me you need to pay today or you will be repo or disable. I told him I was make the payment via credit card he was rude and than I told him yall keep calling and threatening is illegal I will be reporting it he said O we are federal regulated. This is the only transportation that I have for my family yall threatening to take and if I file this report I think they gone try to take anyway. High interest rates as well I wasnt explained this at the dealership
I wrote all  XXXX  credit bureaus notifying them of an error on my credit report that if not removed will cause me to pay a much higher interest rate on a mortgage I am desperately needing.    XXXX  wrote back and said there was an issue with my Identification documents, so I called them and answered their security questions and they said the would investigate and get back to me.   Meanwhile  XXXX  wrote me and removed the error.  XXXX  and Equifax have done nothing, my loan officer said they are still showing on my credit report. It is incorrect and I need it deleted and now I have only a week to get this done!   Please help!!
I opened a checking account with First Merit Bank because there was a flyer that was sent to my home stating that I could receive {$150.00} worth of credits to my account if I followed certain procedures for opening an account. The procedures are in {$25.00} increments. I have ( 1 ) opened a checking account with Mobile Banking ( 2 ) enrolled int he merit rewards program and ( 3 ) I do participate in the direct deposit program to the account. Since I have opened this account I have been receiving fees of {$35.00} stating that I have had many overdrafts. I have discussed with the bank that I have a tight budget and call and go on-line constantly but they always seem to place the blame on the merchant and hold money for 2 to 3 days knowing that the purchase was made when I had the money in my account. I have been charged almost {$300.00} in overdraft fees in 3 months since I opened the checking account. I have not seen the {$150.00} activation reward in my account nor do I merit all of the fees that First Merit has charged to my account.
Frost Arnett has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
On XX/XX/2018, I opened a billing dispute with American Express for a charge of {$700.00} that was authorized on XX/XX/2018 to the merchant " XXXX ''. This charge was for haircut and color I had done at this salon. I disputed the transaction because the stylist didn't provide me with the service I requested and the service was defective. Dispute reason code : C32. I provided American Express with a letter explaining what happened and why I'm disputing the charge. More importantly, I provided a copy of the text messages conversation with the merchant showing that she offered to " fix '' my haircut and color at no additional charge which constitutes an acknowledgment from her that her service was defective and needed to be re-done. I also provided American Express with pictures of the service I requested versus pictures of the service I received.

I contacted American Express today, XX/XX/2018, to inquire about the status of this case and was told that the dispute was closed in Merchant 's favor because the merchant provided a copy of a signed document showing that I authorized the transaction and paid a tip.

It's the standard at Women 's hair salons to pay a tip and It doesn't mean the customer is happy with the service, I actually paid her the least acceptable tip and as I explained in my letter, I didn't realize the service was defective until I went back home and had the proper lighting and took pictures of my hair to document the defective service I received.

I am astonished that Amercian Express Ignored the fact that the Merchant acknowledged the service was defective by offering to " Fix '' my hair at no additional charge and closed the case in Merchant 's favor based on the signed document that I authorized the transaction. The reason code for my dispute is C32 : Service Defective NOT F14 ( Missing Signature ), F24 ( No Card Member Authorization ) or A02 ( No Valid Authorization ).
I was contacted XXXX/XXXX/2016 on my cell phone by a XXXX XXXX stating he was employed by XXXX XXXX Attorney at Law, he said this was concerning a XXXX County, Texas case XXXX and if I did not give him my sons information a XXXX County Sheriff would be dispatched to his home. When I said whose home his said your son 's. It was then that I realized this was not a real situation, I was terrified at first. I told this person I was not discussing this with him further and he became agitated, stating I had not raised my son properly and that is when I hung up. Today, my husband received the same kind of call at our residence. He hung up. I called the number provide by this XXXX and told him to stop harassing me and to remove my cell and home number. He was as ugly as before and he hung up on me. I researched online and saw this is a collection agency called ARA Inc. out of Illinois.
After my husband ( a veteran ) passed away in XXXX Several times over the last 12 plus years I have tried repeatedly to work with Chase Mortgage to modify my mortgage that has a current interest rate of 7.50 % and that interest rate has never changed since the inception of the mortgage. The last time being in XXXX XXXX. I sent in all the require paperwork 3 separate times and each time I was told by Chase that the paperwork had never been received by them. I sent the paperwork again and was told they were working on the modification. In the mean time, I requested a pay off of the loan and also the amount to bring the loan current. Chase was to have sent the requested information via email. Well, they sent something on XXXX XXXX, XXXX, however, the document was password protected and the password was not made available to me. I requested the information over and over and never got a response. Moving forward. While still trying to obtain a modification, an amount to bring the account current and a pay off so I could refinance somewhere else, Chase decided to foreclose on my property. Unable to get the dollar figure to bring the account current, after many phone calls to Chase and the attorney XXXX XXXX XXXX in XXXX, TX a reinstate figure of {$26000.00} was available in the form of a cashiers check prior to the foreclosure sale and made available to the Trustee and yet my property was sold. I tried to prevent the sale and cure the loan under instructions by Chase employees. The conversations were denied by Chase until the recording of the call was found. I have a large equity in the property and I have lived here for 18+ years. I tried, to no avail to contact Chase and Attorneys as well as the attorney who is now trying to evict me from my home. The REO is now offering CASH FOR KEY in the amount of {$1500.00}. I have also contacted VA and they too have contacted Chase with no response. VA has now advised me to submit a complaint so maybe we can get some answers here. I have attached several documents to better explain my situation.
I checked my credit report due to the fact that I was trying to get a vehicle loan. And then there is an inquiry on there I do not recognize neither does the dealership that I bought from.
I have received four calls from XXXX, and they all follow a similar pattern. If I do not answer the calls then no message is left. On the occasions in which I have answered, there has been no response on the other end -- just silence. I have called the number back three times, and each time I was immediately directed into a generic voicemail box. There was no indication of what company was calling and for what purpose. Nothing in their contacts to me nor my attempts to contact them has indicated their purpose. The only reason that I know this number corresponds to a debt collection agency ( Contract Callers Inc ) is because of multiple online searches of the number. To my knowledge, I have never received any written communication from this company, and to this date I have no idea why they are calling me. The dates of the calls are as follows : XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( answered, no response from the caller ) ; and XXXX/XXXX/16 ( answered, no response from the caller ). I have called the number on XX/XX/XXXX, and twice on XX/XX/XXXX with indication of who the company is, or why they are contacting me.
I grew up in XXXX XXXX and opened up an account with Citibank. I got a promotion at wok and that sent me tl XXXX. From there I went ti XXXX, I asked Citibank several time to please move my account to XXXX. She told me it could not be done i would have to go to XXXX. I have been legal XXXX since 1991, I feel it is my money and I should e able to have it where i want, They could send my money everywhere but not to myself .. <P/>Thank you XXXX XXXX
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ,XX/XX/XXXX. ,XX/XX/XXXX. ,XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX that's as far back as my phone memory goes but these calls have been going on for months. Come from XXXX. I spoke to an actual person once from their and told them I am out of work waiting to have XXXX XXXX and to stop calling. It has not. Now they call me on a regular basis and when I answer I get a recording saying " please hold for the next available operator '' .. I've held for twenty mins and no answer. I have called them back as well. Also a recording. " This is the simonds agency. This is an attempt to collect a debt, please hold '' again no human answers.
well my concern is about my credit report I ask the company XXXX XXXX Equifax send my credit report in internet free do n't work for me I thinking they discriminate me my problem was with XXXX XXXX XXXX they send me to collection in XX/XX/XXXX this happened has long time a go let me know you can help me thank
On X/X/17 I mailed a letter to the company asking them to remove an inquiry from my report because I am sure that I did not authorize it. I mailed it to the address the company provided to the Credit Bureau that they pulled the inquiry from. USPS returned the letter to me with a sticker attached that read, " Return to Sender - Attempted not known -unable to forward ''. This means that the company is not providing the credit bureau or consumers with an accurate address in which to inquire about or dispute information inaccurately being reported. This is completely unfair to the consumer and a clear violation of my consumer rights. 

I have attached a copy of the envelope with the notification from the postal service, a copy of the letter sent inside, and a copy of the address reported to the bureau, pulled directly from the report provided to me.
EXPERIANXXXX XXXXSTATUS IS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
I had a male call me about a medical bill while I was shopping at XXXX. He requested my Social Security number and mailing address. I refused to give him any information since I did not initiate the phone call. I thought it was a spam call. I requested a call back number and he refused and hung up the phone call. He said he was from XXXX XXXX XXXX where I have been too, but you can never be too careful. I have never ever had a late payment on my credit report or a lien or anything. Once I receive a bill I pay it. Now as of XX/XX/2019 my credit report shows a collection from XXXX XXXX XXXX in the amount of {$250.00}. My Husband and I are planning on building our Dream House this spring and my XXXX mid score dropped to XXXX which means we will not get the lowest interest rate. Please help me and advise on what to do, when I call the XXXX XXXX. XXXX, it just goes to voicemail. I have paid every bill from XXXX XXXX XXXX so I don't know who this Company is.
I sent communications to Cavalry Portfolio Services back in XX/XX/XXXX and most recently in XX/XX/XXXX requesting that they validate a debt by sending a copy of a signed contract hey have been writing and calling me regarding. Both times Cavalry sent the same letter saying that I needed to call and discuss the matter. If Cavalry can not produced a signed contract to validate the debt, from myself, the consumer, then they MUST remove the trade line from my credit report per the Fair Credit Reporting Act. Cavalry has failed to provide me with anything to validate the debt they are alleging that I owe. I do not have a contract with Cavalry Portfolio Services and I would like them to remove the trade line from all three credit bureaus. If Cavalry is acting as third party company then they should not have a trade line listed on my credit report if the bill belongs to another company.
I have received a notification on XX/XX/XXXX that my mortgage has been transferred to a new company, effective XX/XX/XXXX. M & T Bank transferred our home loan to XXXX XXXX XXXX without properly notifying us of this change. The letter addressed to us is dated for XX/XX/XXXX. All information I am finding online states we should have received notification of at least 16 days prior to the transfer. I still have my XX/XX/XXXX payment to complete, and I have no understanding of who I am to pay this to. The new company has confirmation in the packet stating how to pay with check, but i do not use checks.
I am presently going through a judicial foreclosure in XXXX. I am not trying to keep the property but have told the Court I would like to sell. There is equity in the property. I am challenging the amount the Servicer is claiming I owe. The Court ordered discovery from both the Plaintiff and Defendant which included payment history. I complied with the payment history I could gather. This history is from XXXX to present. However, the Servicer 's initial history only went from part of XXXX until XXXX. After many requests they finally submitted the payment history 2 days before mediation. When the Servicer 's history was examined gross mistakes were discovered. XXXX of the most egregious is that a foreclosure was instituted when all payments were up to date ( this was done in XXXX ). Since I was not aware of this I agreed to a repayment schedule. After signing the repayment agreement which involved arrears, attorney 's fees, and other fees, I examine the document and found that after six months there was to be a balloon payment of {$14000.00} plus. I contacted the Servicer and asked for a modification because I knew I would not be able to afford the balloon payment. The Servicer then offered me a modification which entailed adding the {$14000.00} plus to my principal. ( This modification was interest only ). I did not fill out any application. I simply received a telephone call from an agent of the Servicer and asked if I wanted a modification I answered yes. He then said he would send me the paperwork. As I remember the modification was XXXX pages long. It is only now after examining the paperwork that was submitted by myself and the Servicer that I discovered this information. 
The Servicer has been asked many times for a detail accounting of all payments, fees and escrow items paid. They have not been forthcoming. Even their own attorney claims that he has tried to get them. So my complaint entails the following : ( 1 ) illegal notice of foreclosure ; ( 2 ) late posting and in some instances no posting of payments ; ( 3 ) illegal adding money to my principal ; ( 4 ) Under reporting of interest payments to IRS and thus depriving me of addition mortgage interest deductions ; ( 5 ) and I am questioning the standing of the assigned Trustee to bring this suit. The Trustee says and I ( quote ) Please note the Trust is the owner of the mortgage and note, not the Trustee. The Servicer is the party to the trust that has the authority and responsibility to make decisions and take action regarding individual mortgage loans in the Trust. The trustee has no authority or responsibility to review and or approve or disapprove of these decisions and actions. It is the Servicer who has taken all action regarding this property and is the proper party to address your concerns. ( unquote ) This is in a letter I received from US Bank who is cited as the Plaintiff in my judicial foreclosure. 
I would appreciate you looking into the matter.
We attempted for 2 years to obtain a modifications through Nationstar. Our person of contact was constantly changing, our paperwork was not not being processed quickly, and we were having to resend documents and restart the process every 30-45 days. after becoming frustrated and hopeless, we decided to seek a short sale. In XX/XX/XXXX, we contacted Nationstar to begin the short sale process. We gave them our realtor information, and were told the process was started, and they would contact our realtor. Our realtor requested the required documentation several times and never received it. Nationstar never contacted our realtor or us about the short sale. In XX/XX/XXXX, our realtor decided not to do our short sale because of the lack of communication from XXXX. We contacted Nationstar in XX/XX/XXXX about doing a deed-in-lieu. We were told that was a good possibility, and after asking a series of questions, we were old the process was started, and we would receive the paperwork to complete. We never heard back from Nationstar, and our home was foreclosed XX/XX/XXXX.
My son borrowed the money this is a school loan, he is not currently enrolled in school and was unemployed they ask for me to pay it in full harassed me on a daily basis to pay this loan in full. Now its on my credit report as a collection. Should this affect my credit and my sons both? My son is currently making payments. So is it still a collection and and why is it affecting us both. Can They ask for payment in full or else. I thought a student loan was paid in installments until it is paid off not called to be paid in full when creditor feels like it. This is wrong some how!
Bank of America has illegally reported me to the Credit Bureaus for late payments. These payments are not late and have been paid. They have forced me to pay for expensive flood insurance. In addition, they have threatened me with foreclosures. They have consistently increase the monthly payment from the fixed rate. Almost doubling the payments.