WillisBack/dataset-financial-user-claim huggingface dataset:
I became a victim from XXXX/broker " s name [ XXXX XXXX ] whom was attempting to bring his legal secretary to my front door and said that he wanted to close home refinance loan since I was already cancelled this loan. He force me by said : XXXX you will pay same amount $ XXXX/month for 5 years or 60 months and I did not have time to review all documents. Based on good faith he was indicated with an interest rate 1.250 % 2. Then he sold this account to second XXXX XXXX XXXX on XXXX/XXXX/2007 after he took over {$7.00} thousands dollars on closing cost more than it was indicated on GF copy. 3. Then second XXXX XXXX XXXX Servicing re-sold my account to Aurora Loan Services on XX/XX/XXXX with original loan {$240.00} to become principal balance= {$240.00} after six month payment that I paid toward the end of 5 years aka 60 months and remained 54 more months to complete my terms. 
Note : I had planned to refinance to fix rate before my term up. 
Suddently Aurora Loan Services was illegally jumped my monthly mortgage payment from {$790.00} to {$2600.00} right after three [ 3 ] years as well as changed my interest rate without my knowledge. Since I was paid and owned this property since XX/XX/XXXX and never missed any payment from bank to bank when numbers of banks tried to merge together. 
I am work hard for my family to raise my children alone, I used to work XXXX jobs to maintain my life. For more detail including their addresses I will submit when requested. 
Please assist me to go through this upside down mortgage principal was created by Aurora Loan Services.
I filed for bankruptcy in Feb.XXXXbecause of a divorce, received moneyfrom divorce in XX/XX/XXXX, I paid all bills I filed filed on and withdrew the BKBankruptcy.Today is XXXX and still have not been able to get this taken offtaken off my credit report. It is showing a dismissal, I did not go throughwith this yet it is still on my credit report. I have been denied a Home loana small poersonal loan, a credit card, an apartment. and even had to payhigher prices for utilities to be turned on. I am a senior citizen living on afixed income, I feel i have been treated un fairlly because of this BK. It is effecting my credit score XXXX points. I try very hard to keep my creditscore up.
I checked today ( XXXX ) with Equifax and they believe that I was affected by their recent data breach.
On XXXX XXXX, XXXX I applied online for a XXXX Credit Card. On that same day XXXX Bank did a hard inquiry on my Equifax credit report. On XXXX XXXX, I received a letter from XXXX dated XXXX XXXX stating that because of a security freeze on my Equifax report that my application would not be processed. I had also received a letter from Equifax stating the security freeze had been lifted from XXXX XXXX XXXX XXXX, XXXX that allowed XXXX access to the report. XXXX says they never accessed my report, but the inquiry is on my Equifax report and will only consider my application if I allow another hard inquiry. Equifax will not let me dispute the hard inquiry because XXXX looked did run a credit check and will not remove it. XXXX will not remove it because the bank says it never ran it. So this inquiry will affect my credit score for the next XXXX years and I got no benefit from it.
I have XXXX different student loans, XXXX of them were transferred over to Navient at some point. They began contacting me via automated phone calls informing me to call some number and plug my social security number. That smells like some scam right off the bat. When researching the internet all I find is what a dishonest organization this is. But then I had to contact them and find out who they were and that is how I found out that my loans were now under Navient. Now the real issues begin to show up. This agency is very tough to get information from, and the information changes every time you talk with someone new. ( very similar to XXXX XXXX and their scam ). I finally was able to get access to my statements. I have been in Forbearance for quite some time, upon review of of those statements, i see that Navient has repeatedly charged " late fees '' every few months. These are not small late fees, but rather in the hundreds of dollars every 3 months. I contacted Navient why and how they could possibly charge " late fees '' when I have been in Forbearance the whole time. The person on the phone could not come up with a real reason, he tried to get approval to remove them or reduce them, all he could do was give a XXXX dollar credit. ( we are talking thousands of dollars of late fees and he can take off XXXX bucks. Come to find out, the reason that there are " late fees '', is because Navient takes so long to process their paperwork that it shows up as if I am late in renewing my forbearance every other month. 
I am also astounded that they can charge 8.5 % interest on loans! nobody has see those kind of rates since the 1980 'S! but at least back then we were making good money and the economy was robust. I guess they forgot the " ro '' in robust and are just going for the bust. 
I have no problem paying back my loan, but would love to be able to deal with an honest company with honest rates and transparent policies and procedures. 
I also have loans with XXXX and XXXX and XXXX and those agencies are straightforward and the interest rates are between 2 and 3 % and there are no surprise fees. 
I am attempting to consolidate all my Navient loans into XXXX loan and begin the re-payment process, I could not get a straight answer as to the interest rates and fees involved ... we shall see. From what I have experienced already, I am very sceptical. 
For all those out there, stay out of the student loan debt. Go some other route. 
I have been working on becoming a XXXX for 21 years, I was working full time and raising XXXX kids and still paid a XXXX a month into the system, but I still had to take out loans to get it done. 
-good luck to all
I do not feel I 've been getting fair opportunities to obtain a new loan modification to keep my home. Even the first modification in XX/XX/XXXX was questionable whether it was fair, my 3.75 % rate remain the same, even though rates were low in XXXX. And a list of following complaints and questions about my mortgage company : Why I am not able to apply my equity to my {$25000.00} plus loan deficit and put the loan in the rear and can get a new modification from my loan company? 
I had and have multiple reduce of incomes over the last two years. 
Previous modification in XXXX was not reduced enough to support my income. My 3.75 % interest remain the same, although rates were down considerably during XX/XX/XXXX. 
I am asking for an investigation of the last mitigation from my loan company whether I was within the 31 % of my income bracket. 
What about being able to get a Tier 2 in house modification? 
I had several hardships in the last two years, but I feel they are overlooked and have not been considered viable to getting a loan modification. 
I am requesting a copy of my loan company DEED, to see if my title was accepted and delivered to my loan company from my original mortgage company, to show if my current loan company has legally obtained my deed. 
I am requesting an investigation into whether my equity in my home has been used by my current loan company during my several requests for trying to negotiate ways to keep my home ... however, my equity has not been used to pay off my {$25.00}, 000 loan deficits. Why??????? 
Whether my income was low or high, the I never was within the 31 % bracket to obtain a new modification, Why???? 
Who are my loan company lawyers that are calling asking for personal information, but do not say who they are and who they represent? Who are the lawyers putting foreclosure information on my door, but do not say who they represent? Are they my loan company lawyers? 
I am investigating whether my loan company is legally my loan company that I been paying since XXXX? Was my deed and title transferred through acceptance and delivery? Or was this another " robo copy '' transfer? '' I am submitting a new Mortgage assistance application on XXXX, hoping my loan company will negotiate another modification, if my loan company is my legal mortgage loan company.
Numerous times I have tried to apply for the HAMP Program with our current mortgage company Ocwen Loan Servicing , LLC . I have emailed, snail mailed, faxed and even uploaded their requested documents via their website. They keep sending me letters stating they need all the same info I keep sending them. Then I call them, and they say things are being processed. This truly is the worse company I have ever dealt with. I know that the HAMP & MHA Programs will be discontinued this year and I think they are just stalling so they do n't have to comply. Please help me. I am soon to lose my home, I have just claimed bankruptcy and I want and need to keep my home. I am on XXXX, my wife is trying to get on XXXX and we have a XXXX year old son.
On XX/XX/XXXX we purchased a brand new Hyundai Sonata from XXXX XXXX in XXXX Utah. We opted to put it on a loan ( altho we could have written a check and paid for it outright ) as they were offering an additional {$1000.00} in rebates. So we financed it and their finance department told us to pay a large chunk as soon as the loan was live online. 
The loan is through XXXX XXXX ( XXXX ), not through the local dealer and the problem lies with XXXX XXXX. 

On XX/XX/XXXX I made a payment of {$24000.00} that was to be applied 100 % to principle only. But they did not do that. They applied it to principle ( {$24000.00} ) & interest ( {$34.00} ). This made a complete mess of the loan. We should have 6 or 7 payments of {$440.00} each remaining, the payoff should occur in XXXX or XX/XX/XXXX. 

But their mistake caused multiple problems : 1. It changed the due date of my NEXT payment to XX/XX/XXXX! 
2. It changed the amount due for each payment to {$300.00} instead of {$440.00} I have called them 6 times at ( XXXX ) XXXX and I am getting the run around. 

I called first on XX/XX/XXXX as that is when I first noticed the error. I was told it should be fixed in 24 hours. It was not fixed in 24 hours. 
I called again on XX/XX/XXXX and was given the runaround again and this time I was told it would take 3-4 business days to reverse the payment and apply 100 % of it to principle. 
I called on XX/XX/XXXX as the problem was still not fixed. At this point I asked for a supervisor who was supposed to escalate it. 
I called on XX/XX/XXXX when I went online and found no changes to my account again. 
I called today, XX/XX/XXXX and was finally given to a supervisor named XXXX who told me that she would take care of it TODAY and call me back. Right now, 4 1/2 hours have elapsed and she has NOT called me back. So I called again and this time I got someone named XXXX. I asked her to transfer me to XXXX. She told me that she didn't know who XXXX was and couldn't do that. And yet, after I told her my next step would be to file this complaint, she had a miraculous restoration of memory and she told me that XXXX must be on a break or out at lunch. ( So she was lying to me in the first place about not knowing who XXXX is or where she was ). XXXX told me she would submit the request AGAIN and it would take ANOTHER 3-4 days. By this time, I'm boiling over and I said, " You have been telling me that for 9 days! '' So that is where I left it. I am frustrated beyond belief and in the meantime, we continue to accrue interest on the loan that we should not be accruing. 
I have dealt with them before on a short-term loan ( similar circumstances ) and just getting a simple address change done took 8-9 phone calls. They are maddening and should be thoroughly investigated. 
XXXX would like us to recommend them to our friends. Sorry. I can recommend the car itself but I would never, ever recommend XXXX XXXX to anyone.
I currently have 19 inquiries reporting on my credit report on Experian that are without a firm line of credit. I have circle all 19 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them. 
The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting on my Credit Report.
On XX/XX/XXXX I sent a letter certified return receipt to Transunion to remove inaccurate/ incorrect information in my credit file. My only employer is XXXX XXXX XXXX. I asked that they update it and remove incorrect employers. I have one 1 job. Transunion removed the wrong items after several phones on XX/XX/XXXX and now I've noticed that they have put 2 incorrect employers back in my credit file.
I received a call on the morning of XXXX/XXXX/XXXX. The man said he was said scheduled to serve me on Monday XXXX/XXXX/XXXX. He said to contact XXXX XXXX XXXX if I wanted to know why I was being served. I have never been contacted by XXXX XXXX XXXX in any way prior to this phone call. When I contacted them, they identified themselves as a mediator. They said that I owed XXXX XXXX over {$670.00} and that if I did not agree to pay them, then XXXX XXXX would sue me for triple the amount. They also said that I would be responsible for a {$1000.00} court fee. When I asked for debt verification or a written " validation notice '', they told me that it was not possible. I was told to just take their word for it.
Elan Financial Services began servicing a current Fidelity credit card that I own. During the transition, Elan turned off my automatic payment status which was in place with Fidelity. Because of that, my payment was not processed for one month. Elan failed to notify me of this either by phone, email or mail and my status became 30 days late. Elan acknowledged that they erroneously turned off my auto pay and agreed to remove my 30-day late status with the XXXX credit reporting agencies, XXXX, XXXX and XXXX. I have called Elan repeatedly and have asked that they update my status from late to current with the credit reporting agencies and they have not yet done so. I have asked for a letter confirming the removal of the late status so that I can remove this " late '' status from the XXXX reporting agencies myself and they have refused to provide one. I have tried to dispute my negative status with the XXXX agencies but Elan has yet to update my status from " late '' to " current, '' therefore my late status will continue to be reported as such. Unless Elan update my status from late to current with the XXXX reporting agencies, my negative status will remain in place. This error had caused me to be declined for credit cards and banking institutions.
I applied to recast my loan with Nationstar mortgage. I completed all the forms and have a copy of my new monthly payment. Nationstar appeared to have applied the money towards the principal instead of recasting the loan thus my monthly payment has not been lowered. The customer service supervisor told me it was a different department and could do nothing, she gave me an e mail address and told me to try that. I am still waiting for a response. In the meantime I am getting calls stating my payment is over due even though I am current and up to date.
I sent the company a letter requesting validation of the debt. This was sent at the beginning of XXXX. To this date the company has not sent evidence that this debt is mine nor that I am responsible for payment. Today, I received a phone call for the company attempting to collect the debt again.
I opened an account with Barclay card one year ago and I have never been late on a payment. All of a sudden, Barclays charged me a fee of {$500.00} as interest, running my account over the limit. This action represented the greatest threat of default on the card. It was bait and switch predatory lending in its worst form. I contacted the Consumer Financial Protection Bureau and Barclays turned around to waive the {$500.00} fee. However, in addition they used a new underhanded tactic to institute a punitive predatory interest rate of over 25 % on the account. This interest rate is higher than the 5-6 % interest rate that I currently have on my other accounts with other banks. Apart from being exploitative, It is a sure guarantee that this credit card will go into unavoidable default. There is no justification for this predatory lending practice. Thank you.
I changed cable companies after XXXX installed their qqequipment on my neighbors roof and their bill eas XXXX times what had been agreed upon.I signed no contract, but noticed on my next American Express statement XXXX had charged XXXX on XXXX XXXX and XXXX more the very next day.I immediately disputed the charge with American express who also assured me XXXX would not be permitted to charge my Amex account again.They charged XXXX the next month and XXXX the following month.I agai disputed the charges, which Amex had said would n't be permitted to be even added to my account.Amex has sided with XXXX in my dispute .How I ACCRUED 850 DOLLARS IN CABLE FEES IN XXXX MONTHS IS BEYOND ME, BUT American EXPRESS STOPPED ME FROM CANCELLING MY CARD WITH ASSURANCES XXXX COULD N'T ROB ME ANYMORE.Amex decided against me before they even got my letter disputing the charges.I had no contract with XXXX and the flier they sent only had XXXX XXXX early termination fee with contract, which I never signed.American Express allowed an unauthorized transaction they had full fore knowledge of from XXXX XXXX when I made my initial dispute.
I had contacted this debt collector 6 months ago, they have a client of the State of Maryland Comptroller that is saying that I had a debt or a return filed back in 2012 with the state of Maryland. I told them that I did not ever live in Maryland and was a victim of fraud. They told me to contact another number and I did all the steps and filed a police report. Everything was suppose to be taken care, but I just received another bill from them and so I called their number and the gal was very rude and kurt with me like this was my bill. I told her that I dealt with this over 6 months ago and did everything with the state like they wanted and it was not my bill and I was a victim of Identity theft. She basically stated that she could not do anything about it and I would have to call the state of maryland and go through all the hoops again and that she couldnt do anything. I HAVE BEEN A VICTIM OF FRAUD AND WANT THIS TAKEN CARE, but no one seems to hear what I am saying. I Have NEVER lived in maryland or worked in maryland
Hello! I have an account that was sent to collections at XXXX XXXX. Unfortunately, they are in violation of the FDCPA for a couple of reasons. First and foremost, it is my understanding that I am entitled to a written notification within 5 days of first contact from the collector of the amount of the debt as well as my right to dispute. I have not received that information. I verified via telephone that they have my current mailing address. I was also not informed over the phone of my right to dispute. They are also guilty of repeated phone calls. I received the first call on the XXXX on my cell phone. They immediately called me at work ( completely unacceptable!! ). I told them I would speak with them at a later time, when I could deal with the situation. I have clinically diagnosed XXXX, so I very much need some time to deal with difficult matters. They then called me again a few days later, against my instruction. I finally blocked the phone number for my own peace of mind, so I am unaware if they have tried to communicate further.
On XX/XX/2018 I submitted a request for a credit line increase online with my XXXX XXXX XXXX card through XXXX bank. When I requested there was an option that had a check box which allowed XXXX  to access your credit report. Below that it had a statement which reads " Please note that we can still review and consider your request for credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox ''. In order to prevent a hard inquiry on my credit report I did not select the checkbox, however a hard inquiry was still made on my XXXX credit report. I called in XX/XX/XXXX to XXXX bank and was told by the customer service rep there that I would have to dispute through the credit bureau. XXXX the credit bureau stated the only way it would come off is if it was a result of fraud, otherwise I would have to contact XXXX bank to have it removed. This morning I called again and spoke with a customer service representative who transferred me to XXXX ( ID XXXX ), She told me she was a supervisor and that although the option to not have your credit report accessed is there, it is still done anyway. She also informed me that the hard inquiry would stay on my report. I informed her at the time that this is misleading to the consumer and I would have understood a soft inquiry but would have never requested the increase if I knew it would negatively affect my score with an unwanted hard inquiry I have included copies of the actual statement that is on the website informing the consumer that they can still review and consider a request for the credit limit increase without accessing your credit report.
This is regarding a Line of Credit with Wells Fargo Bank. My name was added to a XXXX line without my permission. I have contacted Wells Fargo regarding this and they are not able to provide any type of verification that I ever signed documents or applied for this line of credit. My husband had applied for a LOC, however I did not want additional debt to me added to my ability to pay. This is causing my credit score to be impacted.
Trying to refinance our mortgage to a fixed rate. Spoke with Quicken Loans representative and discussed we have excellent credit, new home (  3  yrs old ). Rep said they need {$500.00} down to start process and all closing costs fees could be rolled into the loan. Told him looking for fixed rate, no PMI insurance, closing costs rolled into the loan and felt our home could be appraised at {$250000.00}, like it was initially when we built it including  33  acres of land. Provided all of our financial information,  (  pensions, savings, and additional property to our home ). Representative confirmed we had excellent credit. Received a  Loan Estimate  on  XXXX  with closing costs for {$7700.00} and {$1000.00} CASH due at time of closing. Mind you, I was told I only needed to pay {$500.00} to start the process, the rest could be calculated into the loan.  Appraiser  then came to our home. On   XXXX   appraisal was done for {$210000.00} and homes in comparison were over  11  miles away and ranged from  7-28  yrs old and not good comparisons which now increased our closing costs to {$11000.00} with {$3200.00} CASH due at time of closing. When I called and questioned the appraisal I was told they can not dispute the appraisal. I told them I no longer wanted to pursue this loan. I called and spoke with the  Executive Office  that handles these matters and was told we could supply the appraiser with sales of our choosing. I just paid for the appraisal, why do I have to supply the information?  Quicken Loan  's process is a GREAT way to check individuals credit, their assets and increase loans and payments to obtain more money. The appraisal should have been a better comparison within a closer radius and similar aspects of our home. When we built our home three years ago rates were lower and it was a buyer 's market. Today, rates are rising and it is a seller 's market ... .should n't it have come in higher than the initial appraisal? Our home should not have lost value!!!!     I asked the  QL  representative hypothetically if we received the loan, defaulted and they took ownership of the home, would they include the hardwood and porcelain floors, solid surface counter tops, on demand boiler system, radiant floor heating, corian window sills, medallion cabinets, composite decking, triple pane windows, 33 acres, etc.. I requested the refund of the appraisal of {$450.00}.