WillisBack/dataset-financial-user-claim huggingface dataset:
We applied for a loan with City Creek Mortgage Corp and we never received an official loan estimate even though we provided all of our information and even signed several documents. They only provided a costs worksheet that had the words " Get an official Loan Estimate before choosing a loan '' which we assumed they would provide to us. 

Several weeks go by and we never receive one. They sent us an email to rate lock but it happened differently than normal. They didn't provide an official loan estimate and they only asked for a verbal rate lock. Overall, pretty sketchy. 

In addition, we received an email that said our quoted closing costs of {$1700.00} to {$3000.00}, which they provided in their " costs worksheets '', were now {$5100.00}. Overall, it seems as though they're trying to snooker people. 

Lastly, they did not abide by certain provisions in the contract. They disregarded the provision for the splitting of closing costs between the buyer and the seller.
XXXX XXXX claims they tried to call me regarding the matter. I have call them several times and ever time I call them they claim only 1 person can resolve the issue. I have proof 1 week I call them call after call the same response regarding the issue. They claim they call me. I work 12-14 hours shift at the XXXX and can not talk while at work XXXX XXXX call me 1 night at XXXX XXXX in which is to late considering I was at work. They had all day to call. There is nothing but games with them and there practices 1 person can take a payment or settle the account.
I have been threaten by PNC of being Foreclosed and they are not working with me. I was forced to move from XXXX XXXX to XXXX XXXX XXXX due to military XXXX in XX/XX/XXXX, I moved my family and posted the house for sale several times, seeing that nobody will buy it I rented it but even then the rent was not covering the mortgage, then I retired and financially I was having a hard time keeping the house, last year I got divorced and got even worse financially and even then I keep the hardest to keep the property, then PNC Mortgage threaten me to foreclose the house, I then had all the intentions to short sale the house at the very least. My balance in the mortgage is around {$210000.00} - {$210000.00} and I had several offers which I submitted for {$180000.00} and I had a backup for {$190000.00} and the lender ( PNC Mortgage ) denied the offer and refused to work with me asking for {$230000.00} when the appraisal came back without them even going in the house and scared away any other offers I had on the table. They interfered with my attempt to short sale the property by refusing to cooperate with me. I am running out of time and they set a date to foreclose this Wednesday XX/XX/XXXX and I have several calls from people interested in the house and I am willing to keep trying to short sale. I please very respectfully request to help me in this matter and possible avoid being foreclose and for PNC to cooperate and work with me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
I attend a school by the name of XXXX XXXX XXXX XXXX in XXXX XXXX FL in XX/XX/XXXX right before graduating the school dropped many of us who had perfect attendance and good grades requested us to go to a office I didnt think nothing of it because the dean said it was something the loan company asked them to do so they made us all write on paper. Our current situations to pay an additional payment after being dropped for no reason that it was just encase if the loan company needed it or we couldnt attend school anymore so I wrote one it was a sloppy note because I was upset at getting dropped with good grades and coming to school everyday later after graduation I got a extra bill that I owed and additional {$6000.00} to pay separately not including my student loan with XXXX XXXX my first payment was extremely high than I ever had from any of my past loan. 

Something around {$170.00} a month I stayed in contact begging and pleading to please lower my payments as I had not found work in my field for 2 yrs of searching my diploma was no good to me which in return me and my kids were evicted and had to live on the streets as time went by I would call again to ask for a forbearance or something 2yrs I sent out XXXX resumes a month and was told my diploma with XXXX XXXX XXXX XXXX was not valid. 

I and my children had to relocate because we couldnt even get house for low income because of the daily posting on my credit from XXXX XXXX Navient it is XX/XX/XXXX and Im steal struggling with these people to get them removed and loan dismissed all together I am XXXX XXXX XXXX and feel the choice I made to start a new Career back in XXXX was the biggest mistake I could have done my children are affected Im affected emotionally our grandparents past way and we couldnt see them because of the forced relocation of a better life we lost our valuables when we were evicted nothing but the clothes on our backs. 

Thank you for taking the time to investigate theses people because they dont realize what they have done to a lot of people or how they displaced many looking for their dream of being XXXX XXXX XXXX that was never any good.
I received a phone call from a gentleman by the name of XXXX XXXX approximately a year ago telling me that I owed this debt and if I don't take care of it, legal action would be taken. I explained I didn't know what this was and I wasn't going to pay for it. He stated the debt was for a Help Card that was opened in XX/XX/XXXX, last activity on the account was XX/XX/XXXX. The amount was charged off. I explained again it wasn't my debt and XXXX XXXX said he would take legal action to seize my property and garnish my wages. I ended that phone call. Within the last two weeks, the phone calls started again. The first one was a lady asking if I would be available the following day to be served papers to go to court. She stated she knew I have had discussions with people in her office informing me what this was about so I need to make sure I am available to be served. I again stated I had no idea what she was talking about. She gave me a phone number to call and inquire about the debt. I have caller ID blocked on my phone so you can't see what number I am calling from. When I called, another lady answered and without introducing myself, she knew who I was. She said my name appeared on her phone. She went on to inform me this was my debt and I need to take care of it. She said if I would just pay it, they wouldn't come after my paycheck. She further stated they are going after my money, my house, my cars, my check and they will get it. I explained again to the second lady this was not my debt and she continued to let me know they will get my pay check one way or another. I received another phone call one week later from a gentleman named XXXX XXXX - he left a voicemail message stating he can only help me and my husband if I call and take care of this matter by the close of business today. I returned his call and he started accusing me of not paying my debt and I just need to return the merchandise. I asked for his address and company name and he refused to give me the information. I told him I had contacted an attorney regarding this matter and he informed me that he would love to speak to my attorney and if I would give him the name of the law firm I contacted, he would provide me with his information. I told him they were using threatening language with me and their tactics were unprofessional and unwanted especially since the debt isn't mine. He stated he is going to get the money for his client and I need to surrender the merchandise and pay the debt. He then accused me of playing games and they will see me in court. During the conversations, all of the individuals I have spoke to could never clearly state who the company was that they were working on behalf of. They only stated it was for a HELP Card for either a mattress, exercise equipment or something of that nature. Once we hung up, my XXXX XXXX was through the roof and I was XXXX XXXX. These phone calls need to stop asap.
I signed up for a third-party bi-weekly mortgage payment service that withdrew funds from my bank account and made my monthly mortgage payments to my lenders. This was done through a company called National Bi-Weekly Administration in Ohio. They made the withdrawls and payments as promised. I recently received noticed from them that they would temporarily have to suspend the withdrawls and payments due to an issue with their bank. I then found out that the CFPB was investigating them and made bi-weekly payment arrangements directly through my mortgage lender. When I went online to close my account with National Bi-Weekly, I was directed to a page that told me I would have to do that by phone. I have been calling the number posted ( XXXX ) daily since XXXX XXXX and keep getting a recording saying that they are experiencing technical difficulties to try back the following business day. I just want to close my account with National Bi-Weekly and can not.
I have tried several times to let XXXX know that Ive never ever had a phone line with XXXX, its showing up on my credit report and has been for years. I never opened a XXXX account. Ive had XXXX since I was XXXX and Im XXXX years old now. They refuse to help me!
Company ( XXXX / equifax ) obtained and stored my personal information without my permission. In the process of storing my information, they carelessly let my information be obtained by an outside source. 

They did offer me a 1 year credit protection service for free. 

2 problems : 1 ). The data breach affects me for the rest of my life. ( possibly 30 + years ). 

2 ). Dealing with a problem, caused by them, has already cost me several hours of work. 
Hardly free!
On XXXX XXXX, I initiated a dispute with Transunion via Certified Mail with Signature Confirmation, concerning several items that are being reported inaccurately as a result of Identity Theft. Transunion is aware of this issue as I had a fraud alert that was placed on my account by the XXXX credit bureaus a few months ago after I discovered that my identity had been comprimised. I sent over a police report with details of the incident leading to the identity theft, which led to an extended fraud alert being added to all of my credit bureau reports. I have since had the alerts removed voluntarily since I have signed up for credit monitoring and am now actively monitoring my reports. On XXXX XXXX, Transunion sent me a generic form letter that did not address my request for an reinvestigation into the inaccurate accounts being reported or the manner in which they were verified, or any other information that I am entitled to under the FCRA laws.
I withdrew my son from XXXX XXXX XXXX by writing and sent through the mail. They are claiming they never received it and are charging me 2 months of daycare that was never used. I submitted the dispute along with papers to their collection agency, Knights Adjustment bureau. I agreed I would pay the 2 week-ish that was owed to XXXX XXXX, but would not pay for the 2 months they were charging me, but they would not accept it. I have continued to dispute this on my credit reports. I have yet to receive any sign contracts or anything from them. They even have gone after my sons father for this debt and put it on his credit reports, but he never provided a SSN to them or signed anything. 
( I can supply copies of documents if needed. I 'm not at home to attach them )
The dept collector, Credence, used my daughters cell number to contact us. Did not give correct return phone number. Caller was very abrupt and did not respond to my questions.
After receiving several unwelcome telephone calls from XXXX, XXXX XXXX  XXXX , MO XXXX AND having supplied same debt collector with faxed pages of evidence that bills to XXXX XXXX and their associate companies, I received a FINAL BILL notice of XXXX which is also not owed but the XXXX  sends me another bill in explanation of this XXXX which turns out to be a bill for {$1000.00}.
Since late XXXX of 2016, agents calling themselves either XXXX XXXX or XXXX claiming to be representing Admin Recovery ( XXXX ) have been contacting my mother and XXXX of my aunts about my XXXX debt. I 'm confused by these calls because my credit report from XXXX never mentioned any debt or transactions involving XXXX. I also never owned a XXXX any time after XXXX. I am particularly disturbed that XXXX XXXX told my aunt that he knows my parents are living XXXX. I have no idea how he could know this about my family. My family and I all feel that our privacy has been violated. Since these callers have only contact those in my family that are above the age of XXXX but never tried to contact me, I suspect they might be targeting senior citizens. These callers need to stop contacting us.
I have contacted Transunion several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.
My bankruptcy info is not accurate, My case # is incorrect and my discharge date, I will like this be removed for inaccuracies.. Thanks
SEVERAL YEARS AGO, A CREDIT CARD WAS GENERATED AT SYNCHRONY BANK, THRU QVC SHOPPING CHANEL, AND A PURCHASE WAS MADE USING THE CREDIT CARD. THE CHARGE WAS PAID IN FULL WHEN THE BILL ARRIVED. APPROX 9 MONTHS TO A YEAR LATER A BILL ARRIVED SHOWING A BALANCE, NOT FOR THE PURCHASE AMOUNT. WHEN IT WAS QUESTIONED, IT WAS LEARNED THAT THE BALANCE WAS CHARGES FOR LATE FEES AND PENALITIES, ALTHOUGH THE TOTAL BALANCE WAS PAID WHEN THE BILL ARRIVED. SUSPOSINGLY, THIS WAS DEALT WITH, THEN SEVERAL MONTHS LATER A COLLECTION AGENCY SENT A NOTICE OF A LARGER AMOUNT STILL OUTSTANDING. SYNCHRONY BANK WAS CONTACTED AND AGAIN, IT WAS SUPPOSINGLY CORRECTED.. AGAIN, LATER IN TIME ANOTHER COLLECTION AGENCY SENT A BILL. AGAIN SYNCHRONY WAS CONTACTED AND AN AGREEMENT WAS REACHED WITH THE UNDERSTANDING THIS EVENT WAS CLOSED.. ONCE AGAIN, RECEIVED A COLLECTION NOTICE AND THE COLLECTION AGENCY WAS NOTIFIED THE ITEM WAS CLOSED. TIME PASSED AND A DIFFERENT COLLECTION AGENCY SENT A COLLECTION NOTICE. WHAT STEPS CAN BE TAKEN TO CLEAR THIS ITEM AND FIND A RESOLUTION??
I have been part of the IBR repayment plan since 2013. In XXXX it was time to recertify my income for the next year. I filled out the application on studentloan.gov and attached my IRS tax return. 

I have XXXX servicers currently : Navient and XXXX XXXX. XXXX XXXX recertified my participation in the plan and is in the stages of calculating my payment. Navient denied me because they said my income is to high. To my understanding once I am in the IBR plan I can not be kicked out and they must adjust my loans according to my income and balance of loans. If my payment would be higher then the 10 year standard rate. I would pay that while remaining on IBR. To my knowledge they can not deny me, as it is only a recertification, please help.
I am writing to request the correction of Barclays ' credit reporting on my credit card account. 

The barclaycardus.com website has not allowed some users, including me, to log in since XX/XX/XXXX. My son had the same problem logging in to his barclaycardus.com account, and technical support created a ticket when he called regarding this issue -- ticket number XXXX. However, the problem has not been fixed as of XX/XX/XXXX. Since I was not able to log in to the website for an extended period, a small balance around {$30.00} became past due on the account which Barclays made impossible for me to know since their website was still not fixed. I did not receive any mail regarding this either. Consequently, I did not know any money was due. When I learned of this in XX/XX/XXXX I fully paid and closed the account. Yet Barclays refuses to correct its reporting to credit agencies. As a result my credit score declined by almost 100 points. Barclays made it  impossible to pay the bill by failing to keep its website operational for at least five months. I think Barclays should not be permitted to report their website problems as late payments on my credit history. 

I called Barclays and asked them to correct their credit reporting and was told that I would have to send a letter. So I sent Barclays a letter ( to Credit Bureau Disputes ) to which they responded by saying that they will not make any corrections. 

Customers are accustomed to the ability to check all transactions online or to receive paper statements that they can audit. But Barclays has provided neither. I do n't understand how because of Barclays ' failure to provide me with a monthly statement my credit score has to fall by almost 100 points.
Hi, i used REMITLY INC.to do a transfer from my chkng acct. Of XXXX into my wife 's XXXX 's acct of XXXX, i did the transaction on XX/XX/2016 @ XXXX and even paid for express service, then i got t msg frm then confirming t trnsctn at XXXX t same day, bt my wife havent received t $ XXXX she went to t her bnk, XXXX they told her they didnt know this company or deal with them bfr. I call Remitly n ask them abt it, XXXX they say they used the XXXX to do bussines with XXXX, thats why they didnt know abt them, bt again i call XXXX n ask abt Remitly, with t same answer ... they dnt know them!! T funny thing is that i call n complained to t " XXXX '', and they look for thos cmpany, n they are legal n yes, they do bussines in XXXX ... So I call Remitly again, n they insist XXXX is t XXXX doing somthg wrong XXXX not them, i ask for my $ $ back, n they said will take XXXX to return into my acct of XXXX. So u can imagine my frustration bcs that $ $ $ was to buy t gifts for my XXXX kids, Please help me to return my $ $ and clear out this dark bussines. Thnk u very much.
I have attempted to have TransUnion verify public record information that appears on my report. I did not authorize and party or 3rd source to place public record if any to my report. I have reviewed my report with TransUnion and show that they continue to list a public record item on my report that has not be verified with original source. Also, I am aware of their XXXX automated verification system that does not comply per the FCRA law that such a system is considered a viable verification source. I am requesting deletion of stated public record reference number XXXX Circuit Court with no date of file for amount of {$69000.00} to be deleted from my TransUnion report due to not verified with original source and 3rd party does not consent to request information as such to be placed on my report. Also, per investigation I am requesting a copy of any documents bearing my signature of public record that show that stated amount is in fact a legal to collection or owed. If stated account is not verified bearing my signature within 30 days of compliant for investigation per FCRA it was be deleted.
XXXX XXXX XXXX XXXX being reported 30-59 days late as of XXXX XXXX,2018. According to XXXX they have not updated report and when this was placed on the report by Equifax it was a weekend.
I 've tried on numerous occasions ( XXXX ) to lower my payment plan with Navient, which I was advised would be {$250.00} per month. Since my Federal loans were placed on an IBR plan, which equals out to {$0.00} a month, I tried to do the same with my private loans ( Navient ) but I was told that I cant do so, by the customer service rep I spoke to. She also advised me that she audited my assets along with my co-signer ( my mother ) and that I should be able to actually pay my loan in full since my mother owns her house, that alone sounds ridiculous. I was also told if I stop making payments Navient will garnish my wages, which is n't much, along with my mothers XXXX wages. Being that my mother is on XXXX XXXX XXXX, she was advised that all her student loan debt was dissolved and also reimbursed for the payments that were made during the time she was on XXXX, so by law shes not responsible for my debt even though she co-signed. That was honored for my Fed loans -Dept of Education XXXX but not Navient. I explained that to the customer service rep and she was combative and would n't budge. Since Navient is currently in litigation for the fraudulent acts towards borrowers and misleading us, I want to know if anything can be done on my behalf?
This School was shut down and never reopened due to staff signing -promissory notes and defrauding the students. I believe they are under investigation. I fell this is very unfair and i demand some relief with my student loans that were handled by this carless, stealing, staff!
XXXX XXXX XXXX has called me at work multiple times. Each time I have asked them not to call me at work, as my employer is not allowing this type of communication. I have told them to file against me in court, however, they state that they will not and continue to call my work.
My home was foreclosed on over 7 years ago. I worked for the lender that did the mortgage and lost my job in the financial crisis. I have been disputing information on my credit file for years to no avail. The bank ( Wells Fargo ) is reporting XXXX loan multiple times as well as a collection agency that is reporting the same loan so essentially I a being hit XXXX times for the same mortgage. I have also waited the 7 years statute of limitations and the trade-lines are still being reported on my credit file. I have disputed multiple times with both the lender and credit reporting agencies
I would like to opt out of all XXXX XXXX, XXXX, Equifax pre approved credit card promos and insurance promos. My credit file has out date information listed that needs to be removed. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX- I have found out that my name and credit file has been confused with perhaps another XXXX XXXX with is not my name my name is spelled XXXX XXXX XXXX . I HAVE NUMBER ON MY FILE I DO NOT RECOGNIZE. PLEASE DELETE AND REMOVE THE FOLLOWING NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have bin into Wells Fargo XXXX separate times To try to close My Account And they have refused Me everytime. They run My High Amount bills First and then Low amounts they have overDrafted Me XXXX! times this way And now they are charging me XXXX $ Service Fees Monthly For a Judgment I have against ME. But that Fee IS Going Into The Banks Pocket And no towards My Debt. After Calling The BBB And About XXXX other Bureaus Getting the run around Again Another XXXX $ Pinged off my accout into the banks Pocket. 
That makes My Grand Total XXXX $ The Bank has just Put into there Pockets And still Refuse To Close My Account. But Still Continue To Charge Me XXXX $ A Month! I 'm Currently Hoping to Either Open a Lawsuite OR Just Have My Account CLOSED. please help! with these Thieving **** **** ***** I 'm At My Wits End With What TO DO and I 'm Tired of them Stealing My Money When I Have Repeatedly Told Them Over And OVER CLOSE MY ACCOUNT. Also Have Received An EMAIL Saying My Account Was CLOSED. YET! they still Take XXXX $ Monthly I am Currently - XXXX $ Account balance first time I tried to Close My Account I was only XXXX $ to wich I deposited Enough to cover My bills But They Hit ME with a XXXX $ Service Fee AGAIN. So all My Bills Overdrafted. They Never Gave Me Any Notice Or Talked to me about it They obviously Know I DONT HAVE THE MONEY. there my BANK. And they just continue to DIG MY HOLE Deeper And Deeper Refusing To Work With Me IN Any Way WHAT SO EVER!
I have been making payments on my student loans from Navient for at least five years. The principal balance for one of my two loans with them was {$13000.00} - taken out when I was in college in XXXX. I began making payments toward this loan in XXXX, and at first was making full payments toward the principal. In XXXX, I switched to interest-only payments due to my financial situation. That lasted for two years. In 2014, I again began making full payments on the loan. In the three years that I have been making full payments, my principal balance has not decreased at all. According to Navient 's records, I still owe {$12000.00}.