WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I closed on my $ XXXX condo. Before I could refinance the mortgage, which is an 80/20 loan from Chase Bank, the housing bubble occurred. Currently, I have tried multiple times to refinance, using the terms and conditions set forth in HARP, and have been unable to do so due to to the fact that my loan is not a XXXX XXXX or XXXX XXXX backed loan. The loan belongs only to Chase. Multiple mortgage brokers have attempted, even with my circumstances meeting HARP criteria, without success. The last attempt at refinance was denied today ( XX/XX/XXXX ). I have made multiple attempts to go into Chase and talk about getting my mortgage refinanced and have simply been told that the 80/20 loan I have is a program that is no longer in effect. I am stuck with a 20 % " home equity '' loan at over 9 % interest. My 80 % loan has an ARM which is at current interest rates, but will change with the market. Chase receives my biweekly direct deposit so the ability to pay is not in question but the loan conditions and inability to refinance are. Furthermore, my credit score has been > XXXX for the last 10 years, so I am a good " risk '' to refinance, even though my loan is still upside down. 
The loan that I have was sold to me but the mortgage broker did not explain that it was an interest only loan. I have not paid off a full $ XXXX on the original purchase price due to this. I have also been advised that this my mortgage is considered a predatory loan.
I called to get everything off my credit but they keep putting it back up there and Im trying to better my credit so I can buy a house and make a better life for my kids
Well Fargo, where I have a private student loan, stopped sending me statements in XXXX of 2015. When I realized that I had n't paid my usual bill, it was already past due. I called to resolve the issue. I successfully convinced Wells to waive the late fee AND ( I thought at least ) to set up automatic online payments. 

No paper or online statements came in XXXX of 2015. Instead ( again ) the only way that I realized that I had a past due amount came when I received a phone call demeaning payment. When I called Wells again to see what was going on, they refused to waive the late fee and claimed my earlier conversation setting up the online bill pay never happened.
For 8 months I worked with Discover Home Loans on a mortgage. They approved my initial request, locked in the rate and gave me a " close on time guarantee. '' At one point I asked to increase the amount of the loan ( when I was worried my house would n't sell before the new house was done ). I was told that increase was approved. Then my house sold and I requested that they go back to the original amount approved. That was 2 months before closing on my new house. They continually assured me that my mortgage was approved. Before XXXX XXXX, 2015 they knew the closing date of XXXX XXXX, 2015. They failed to close and my family was left without a place to live. On XXXX XXXX they failed to close because their paperwork was not ready. On XXXX XXXX they failed to close because there was an error in the amount of the loan. On XXXX XXXX they failed to close because they had the wrong zipcode on their paperwork. On XXXX XXXX they failed to close because they could n't get their work done. On XXXX XXXX I borrowed from my retirement plan and settled on the new home -- because my family was left homeless by the " game-playing '' and failure to follow through of Discover Home Loans. I want everyone to know of the nightmare they put me through. I have extensive documentation to prove what I am saying. The settlement company said they have never seen a customer treated so badly. This was abuse and something should be done to stop them from making promises they ca n't keep. The " {$1000.00} guarantee '' that they will close on time is worthless because they only pay out if you stay with the abuse and close with them. It is a racket and should be stopped.
I was unable to work due to health problems and was asked to return items i did and my credit would be clear of any defaults and it is still reporting to all credit bureus
I would like you to stop banks which are supported and subsidized by the government from discriminating against certain companies and citizens safely and legally producing, selling, and using legal products. 

Recently both Citi Bank and XXXX XXXX XXXX have announced that they will no longer loan to manufacturers or dealers of certain types of firearms. They are taking the position that banks can decide what the people of the US can purchase and use ( since if no one manufactures or sells these items, no one can purchase or use them ). These banks should have no right to discriminate against lawful activities carried on by millions of Americans. That is especially true since the banks are chartered, regulated, supported, and subsidized by the American government and the American people. Without this support, banks would be much smaller, make much less money, and not have the power they have. These bank actions are in fact little different than if the banks discriminated in mortgage practices, car loans, etc. I have discussed this issue with representatives of both Citi and XXXX XXXX XXXX and they were not interested in my concerns. 

Federally supported banks should not be able to discriminate against lawful practices by American citizens.
I received a phone call at my place of employment today and there was a voicemail left for me. I returned to call to find out they are attempting to collecting a debt for a visit to an emergency room. I informed them at the beginning of my call that I received a voicemail at my place of employment, after he explained what the debt was for I asked to not be contacted at work and that I would make a phone call myself to the company after I am out of work. He declined to acknowledge they were contacting me at work and asked how I would be taking care of the debt, which I informed him again I was at work and would discuss this at a different time. The collector then informed me I had 13 months to discuss my debt and have yet to do anything. I simply hung up after that statement.
I purchased {$100.00} Mastercard prepaid card on  XXXX  from  XXXX   XXXX  that I had a problem using and had an error checking the balance online. This card is issued by US Bank. I called the number on the back of the card on  XXXX  and explained the problem and they said it is due to a failed activation. They requested I fax in the information and images that are attached to this complaint as a PDF.     I faxed in everything and waited a few days. I had to call in to find out the status even though I requested them to contact me once the issue had been resolved. It turns out the card image was blurry and they wanted me to fax in again  ( a nd recommended I use   XXXX   ). So I tried again twice on  XXXX , once by fax and once by sending a copy of the whole package via pdf and the website faxzero.com. I again waited a few days and heard nothing. I called back on  XXXX  and they said the faxes were too light and wanted me to try again. I said that was unacceptable and asked what if I kept trying and they kept getting an unreadable copy. They had no answer ... .basically just keep trying. I said I 'm not going to waste any more time doing this when the result is n't even guaranteed. I offered to email them a copy and they said they ca n't accept emails and there 's no other way to get ahold of that department other than fax. I asked what if I emailed the representative and she could forward it to that department and she said she will not do that. I said I ca n't be the only person to have run into this problem and she said " I can not confirm nor deny that ''?! I asked to speak to supervisor ... she said all of the same thing. I asked for her  manager .. . she said was n't available but took my number and will have them contact me in a day  or two. It 's been one week n ow and I have not heard back from anyone. Basically they understand the problem, but do n't care and unwilling to provide an alternate solution.  XXXX  Bank has my {$100.00} prepaid card and will not activate my card nor refund me the amount.     They also mentioned on the second call that my  XXXX   XXXX  receipt was not valid and they could n't help without the last four of some number on the receipt or the numbers below the barcode on the back of the gift card. They asked about an activation receipt, which I have never gotten with any of my prepaid card purchases. The sales receipt only shows the UPC number and nothing else that seems to link to the gift card. I offered to provide the numbers located under the barcode and she said she ca n't accept them verbally.     Note that although it is very difficult to scan a good copy of an opaque plastic card on a copy machine, the image in the PDF file is clearly readable.
In regards to : Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX I sent a certified letter USPS that was received by Agent XXXX XXXX on XX/XX/XXXX. I requested verification and validation of this account which as of today 's date XX/XX/XXXX, I have yet to receive. Portfolio Recovery Associates, LLC apparently does not abide by the FAIR DEBT COLLECTION PRACTICES ACT. It seems that they pretty do what they want to do. They have not provided me with burden of proof of the original contract that bears my original signature. They continue to send boiler point billing statements without providing me with copies of any documents that show that I agreed to pay what they say I owe. Nor have they showed me how they calculated the amount that they say I owe. They did not provide verification or a copy of any judgement. I am truly XXXX and XXXX by the debt collection practices that Portfolio Recovery Associates, LLC thus far have done. They continue to report on my credit reports without validating that the debt is actually mines or providing verification and I want answers immediately.
had loan with Ocwen loan servicing XXXX XXXX, /XXXX, fl XXXX acct # XXXX bankruptcy 2009 case # XXXX told by credit counseling service there were payment arrangements made with this company. there were never any payment arrangement with this company. 
ocwen loan servicing , llc # XXXX /XXXX XXXX / XXXX, fl XXXX
I received a call today XX/XX/2018, the call was transferred from a colleague who said the caller said it was a recorded line and did NOT mention the name of their company. They did not call my cell phone at all because I pick those calls up. When i got on the phone he said it was a personal business matter, making me first think it was business, I work for a business and thought it was related to them, then he said my address and would I verify who I am, at this point I refused to and told them to NEVER EVER call my place of work again. At this point I went out side to call the company back and have tried to re reach him 3 more times and now he won't take my calls. All I know is the company name but no clue who they are OR why they would call me at my place of work. I was told from a few other employees that I've had a few calls like that but they thought it was about this business so they have hung up. My cell phone was on a do not call registry list. 

All I know is the company name. Constar financial .. aka " con '' sounds like a great company name. by the way.
I have been charged a late fee for the last three months, even though I made my payments of the due date. Your bank has changed the time, or began to enforce the time the payment was due to XXXX. I was never notified of this change and I made the payments on the date they were due. Three months of late fees were incurred, damaging my otherwise good credit. I want U.S. Bank and the C.P.F.B. that this is a predatory action. The date the payment is due is the date that it is. I do not believe the day ends at the time that U.S. Bank states. I do not get out of work until XXXX and it is still the same day as when I went to work. If I had known that at XXXX it became the next day, I would have made the payment the day before. Why would I want to pay a late fee for three months in a row when making the payment on the day it was due? I have been a good customer to U.S. Bank for many years through the XXXX card and these actions make me question the good intentions on U.S. Bank.
I was notified that Honda Fin. overcharged me on several accounts 5 in total.
I left Puerto Rico on XX/XX/XXXX and have been trying to close my Banco Popular account since then. I have contacted them on four separate occasions trying to determine the amount of deposit required to zero the account for closure and have never received that information. All they continue to do is charge fees to the account and honor unauthorized debits to the account and still refuse to provide the amount necessary to zero the account. I have gotten to the point where I have no intention of paying any of their fees effective the date I ordered the account closed. Clearly all they are trying to do is continue collecting the fees while refusing to provide me the information I requested. On one occasion they simply sent me the amount of the checking account deficit without factoring in the credit from the savings account. I remain unable to close the account because they continue to refuse to provide my account balance.
I was a victim of identity theft. In regards to my XXXX XXXX XXXX XXXX I sent the Consumer Reporting agencies a copy of proof of identity, a copy of an identity theft report, the identification of such information, and a statement by me that the information is not information relating to any transaction by me. This was sent and received by all Consumer reporting agencies. XXXX has followed proper protocol by blocking the information from my report according to fcra 605B. However XXXX and Experian have not. I have proof of delivery of such items. In general a consumer reporting agency may decline to block or rescind a block of information if the agency has reasonably determined that the information was a error, there was a misrepresentation of fact, or the consumer obtained good or services as a result of the block however, they are required to send me promptly information pertaining to this and have not done so. I was under the impression they had 4 days to block the information from the report unless they notify me of the rescind or not blocking the information. I will be looking at what damages are being caused by not following the strict guidelines protecting consumers from identity theft if this is not resolved immediately. This account must be blocked.
BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT DATED FOR XXXX/XXXX/2015 AND HAS FAILED TO SEND ME PROOF OR REMOVE IT FROM MY CREDIT REPORT IN A TIMELY MANNER
XX/XX/XXXX ( {$270.00} ), and XX/XX/XXXX ( {$430.00}. Police reports filed in the state of which I reside. Disputing the validity of the debts with the credit bureaus with validated status returned with no proof of claim. I'm not sure how theses accounts were opened and being reported in my name but i've stressed nearly all resources to get them resolved. Contacted company requesting validation of debt but have yet to receive anything from them.
My name is XXXX XXXX XXXX XXXX ; I have checking, savings, and credit card accounts with Navy Federal Credit Union. 
I received a postal money order in payment of services rendered. I took the device to the local branch of Navy Federal Credit Union where it was cashed for me. 
Yesterday I received a letter from Navy Federal Credit Union stating that the device was returned unpaid to Navy Federal Credit Union by the paying financial institution. 
Navy Federal Credit Union deducted the amount of the postal money order from my savings account and charged me a returned check fee of {$15.00}. 
Navy Federal Credit Union should have taken the issue up with the financial institution which issued the postal money order ; I had nothing to do with it. I received it in payment for services which I had rendered and Navy Federal Credit Union accepted the postal money order and cashed it for me. 
Now, in effect, they have stolen money from me to pay since the issuing financial institution did not honor the postal money order. 
This is not my fault, and Navy Federal is bullying me when I am not responsible. 
I am asking for help in obtaining relief from the bulllying of Navy Federal Credit Union and the return of the money which it has stolen from me.
I have notified Trans Union and XXXX XXXX(XXXX XXXX)  via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX(XXXX XXXX) or Trans Union.
I had one issue with false delinquency being reported on my account and the company that reported it confirmed it will be removed in 30 to 60 days, great!!!! 
Now Experian just dropped my score by 22pts today XX/XX/18 and it's showing I was late on a payment last month bit doesn't provide which account it was reported on and like I said before, I NEVER MISS PAYMENTS ... .. Experian I am tired of the false info being on my account and never being able to get straight answers on who, what or why it's there. 
I just want the stuff off my account.
On XXXX/XXXX/XXXX I purchased an engagement ring and wedding band. The jewelry was purchased with a credit card agreement with Wells Fargo. There was no interest due if the total balance was paid within 12 months. I had problems with the engagement ring and filed a complaint with Wells Fargo within the 12 month period against the jeweler. Wells Fargo told me that the account would be put on hold and no payments needed to be made until the dispute was settled. Today I received a statement from Wells Fargo stating that {$850.00} in interest was due along with the balance on the jewelry. I called them and they said the dispute was settled. I never received anything stating that the dispute was settled. They said they sent a letter on XXXX/XXXX/XXXX. I never received it. The interest was charged on XXXX/XXXX/XXXX. The account was supposed to be on hold. This does not make sense. They will not remove the interest charge. PLEASE HELP!
This account has been disputed on several occasions since early XXXX. XXXX, XXXX and XX/XX/XXXX this Capital One Account has been disputed with XXXX. The account comes back verified, but I am not provided any information as to how the account t has been verified. I have reached out to the company Capital One in several occasions with no success on any resolution. XX/XX/XXXX the capital one account was challenged through XXXX to provide verification. They opened the account, when the account has been closed since XX/XX/XXXX and then closed the account.
Debt is not mine in the sence that I am a medicaid recipient and due to their lack of filing the claim incorrectly, or so I have been told by medicaid, the bill was not paid. Medicaid also informed me that it is illegal to bill a medicaid directly for a medical bill. I have done my best to first try to get the bill paid, then try to work with these people to get the issue resolved. They will not return my calls and the one time I finally spoke with them to get their fax number, which they were very relucunt to give me, they continued insisting that I was liable for the bill. Your assistance with this matter would be greatly appreciated. The Debt collecter has bween nothing but helpful, my issue is not with them. It is with the original holder of the debt. I do not wish to file a complaint againt the debt collecter, only the original debt holder. I did n't reaqlize I needed to clarify that until later in the process. I apologize. Thanks again for your assiatance.
MySynchorny offers no interest credit but the statements are misleading in the minimum amount due claim. Only after pressing an online rep in a chat was I able to get accurate information. I have a transcript of the chat.
Regarding Shell Account # XXXX and XXXXAccount is issued and serviced by Citibank.N.A XXXX XXXX XXXX XXXX , SD XXXX. 
I wrote a letter to the company last XX/XX/XXXX requesting a " goodwill '' adjustment to my credit report because I believe my Shell Credit card report is inaccurate. Both credit card was under a payment arrangement I requested XX/XX/XXXX, the time of my hardship losing my home and then abandoned by my husband left with mortgage, other debt and credit card payment. The agreement was automatic deduction from my CITI bank checking account in the amount of {$67.00} and {$27.00} every month for 9.9 % APR for 5 years. And when the LAST PAYMENT is due in the amount of {$10.00} they did not debited it from my checking account and resulted the negative remarks in my credit report as delinquent.How and Why is the last payment not automatically generated debiting my checking account causing all the trouble .Also, I was contacted and harassed many times a day and at work and even when the payment was made, the calls continued for many more days not until I called them back which the person who answered said that it is a computer generated call that will not stop until it is corrected. Their customer service were very poor in regards to listening to the complaints and resolving issues including their supervisor that can not answer my questions and just transferred me another person w/o informing me first and you 're back to square one in explaining your issuel.. The very sad thing is the report lasted 60 & 90 days delinquent which Im not aware until I applied for a mortgage loan after long 5 years of struggle with my debt resulting to dropping my FICO score and then rejected to get a loan. It is very unfair that after 5 years of paying in good faith, they will destroy again your life due to computer generated billing that poorly monitored and a system that last payment in an automatic deduction from your bank can cause your life.
I purchased 1 XXXX  treadmill with a grand total of {$3600.00} that included 0 % APR for 24 months and financed it through XXXX ( order # XXXX XXXX. They then put two charges on my account, one for {$35.00} at 0 % interest for 18 months. The second charge for {$3600.00} at 0 % interest for 24 months. This means the {$35.00} will expire before the larger balance which has 24 months of 0 % interest and I will then be charged 30 % interest on the lesser amount for 6 months. 

When I contacted TD at XXXX ( they are the loan issuer ) they claim this is correct. We have a receipt to prove otherwise.
OCWEN has engaged in fraud as it relates to my mortgage loan and fail to follow statutory guidelines pursuant to FHA loans that require a face to face meeting for loan modifications.. They have delayed modifying my loan three years even though I sent all required documents to them three separate times. OCWEN intentionally delayed so that they can foreclose on my loan. I am now in foreclosure and afraid that I will lose my home for sixteen years. This is utterly unfair and should be crime to allow them to treat minorities this way. I believe they target the minority community and defraud them and violate their rights.
Bank of America Close my account not under the terms and aggreements written at the time of opening my account.
In  XXXX  and  XXXX   of 2017, I  fully paid  XXXX  charged off accounts with  Southern Credit Recovery  Inc in Louisiana months ago. The company has not removed these accounts from my credit report. I called to speak with th e manager twi ce and left messages but no return call.