WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a card with XXXX on a " pre-screened & approved letter ''. I was then told that I was denied due to reports from Experian, and XXXX, XXXX. I tried to contact both of them, both refuse to even respond to me, nor was XXXX. These firms know they have wrong credit information, and Experian did send me one letter stating I had to supply information that XXXX XXXX XXXX gave them, doing so just to update their credit records, and report they did nothing wrong. Their actions have done me a great deal of harm, and stopped me from getting medical equipment needed for my mother in XXXX.
I was homeless during a period of time that my loans came into repayment. I was unable to receive mail during the time nor had the means to contact XXXX XXXX regarding my options to keep payments from being late. I was able later to reach out and I was sent in the information regarding me being granted retroactive deferment, however they refused to remove the late payments from my credit report. During this period of time there was no possible way for me to be able to make a payment or even get the information needed to make arrangements or find out my repayment options because I didnt have a address for them to send correspondence to. Now I am in a better place but my score is suffering severely from the way the information is being reported. I also filed a dispute with the XXXX in which the insisted it was unlawful for them to change the reporting status for this period of time. Now its hard for me even in a better place in life with a good job to even get accept for an apartment alone based on the negative impact the report has had on my credit score. They were willing to add remarks stating that they are in good standing, but it has harldly no impact on the damaging effects of the unfair reporting to the credit reporting agencies. Now that I have started my own family and have attempted to move forward in life, this holds me back in every aspect which makes it hard for me to progress from where I was completely. I cant even secure housing in a area that would offer my children better schooling options, because I am constantly denied do to XXXX impact on my credit score due to their reporting practices.
Calls are nonstop. Have repeatedly informed Navient that cosigner and I are both unemployed and recieving government assistance. Asked for assistance multiple times, always told that there is nothing they can do except for us to pay. Have asked that the calls lower in frequency, repeatedly am told they will stop and within the hour after request the calls resume. Was told they can call XXXX every hour, and that is exactly what they do. I do n't know what to do, I have nothing, cosigner has nothing, zero income coming in, they refuse to communicate via the mail instead. My school was found to have participated in fraud ( XXXX XXXX ) but nothing has been done to help the former students.
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2015 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX Acct # - XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX
I refinanced my mortgage with PenFed in XXXX 2014. They advertise their mortgage rate offer by saying " we pay virually all closing costs up to {$10000.00} ''. In my loan documents, it said that there is no pre-payment penalty. However, now that I am trying to refinance, they are telling me that I owe them {$1000.00} for the closing costs they paid. This is false advertising!! There is a pre-payment fees!! My new lender thinks this is wrong and suggested I file a complaint.
I bank through hunington bank and I have been ripped off by XXXX I stopped my auto pay notified the bank they still allowed the transaction to go through then returned everything that was already pending and charged me a fee on all transactions up to the {$1000.00} mark after disputing it on both sides the bank declared it as my problem and XXXX has admitted fault and is willing to refund the money and the bank refuses to change the fees due to there error of not stopping it disputing it in a timely manner so that this would not happen
I applied for and was given a Wells Fargo Home loan with the understanding I could pay the loan twice a month with one half of the month 's amount due. This was the selling point for the loan. I was never told, prior to closing, verbally or in writing that the payments would not be applied until two 1/2 months ' payments were received, erasing the benefit on reducing interest payments over the life of the loan. 
This lack of transparency, non disclosure and deceit has locked me into a loan lacking the benefit I sought in selecting the mortgage bank. 
My mortgage banker has since told me they have " no way '' to apply the 1/2 payment to my balance. I have been offered to revert the payments withdrawn from my checking account to the full payment once a month. 
What I want and what was implied when I shopped for the loan is to have the payments applied to my loan when they are taken from my checking account. 
I have complained to them and received a non printable e-message stating the above.
This complaint is an update with more documents to show the issues with XXXX XXXX XXXX. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XXXX/XXXX of XXXX not XXXX. 

The 3 XXXX accounts listed as joint holder should be listed as charge off XX/XX/XXXX.
We learned that Equifax had a security breach and millions of people 's credit may have been compromised. I 've put a fraud alert on my account, but can not get an answer as to whether my information was stolen.
We have had numerous problems with US BANK. For instance, I was at the bank on XXXX XXXX one day and I left. Later that day I went to look for my debit card and could not find it. I knew the last place I was at with it was the bank so I called the bank. They said they would look for it. 
All of a sudden 4 days later I got a new card in the mail and I called and I was told that a bank employee called and had my card re issued, and so we called the bank and they said yes a teller found this on the floor on her side and called it in and had it cancelled instead of calling me and telling me. 
We also have had checks LOST after we deposited them and my mom even had to take in PROOF that she deposited this after the fact ( the black and white back that you get on the statement online ) to show that YES she did have a check deposited for them to put the money in the account. : XXXX XXXX and XXXX XXXX XXXX Then I put a check in for deposit and the next thing I knew it was listed as a " Credit misc '' when I called I was told the teller did not put the check in for deposit but it was there so they put it in later as a misc credit. I said ok so where is the check and they said we dont know but its ok the money is there.XXXX XXXX XXXX XXXX They acted like it was no big deal that it happens ALL the time. 
One day my mom took a XXXX dollar check into a bank on XXXX XXXX In XXXX XXXX and it took the bank 3 weeks to FIND the check and deposit it to the account And for some reason when you report a company for taking money out of your account without your permission they for some reason refuse to do it as fraud IF you have made a purchase with the company before. I had money taken from the account and when I called the lady said " have you ever purchased from them before or was this new and I said no I have purchased from them before but I did not make any new purchases '' and she said well then we can not put it under fraud. I said why not it is fraud and she said well no because you shopped with them before. 
Thats NOT even the point, the point is, I did not make a purchase therefore they took money fraudulently from the account. 
THEN there was a person who somehow got ahold of my debit card number and made a purchase at a store online that I never even heard of and when I called they made ME jump through HOOPS to prove I never heard of the store and I said well if you do NOT see any other purchases then yeah that means I never shopped there before and I even called the store and told them they took money from the wrong person. USBANK for some reason gave them back the XXXX dollars they gave me as a provisional credit and said " company refunded the money so we gave them back their money '' and I kept telling USBank..NO they did not refund any money and USBANK refused to give the money back to me.

USBANK seems to feel they can do whatever they want with peoples money. OUR statement can say we have ONE amount and their online statement says we have LESS and they just say " we will walk you through all the purchases so you can see that OUR numbers are right ''. Its an insult.
I contacted Conns on XX/XX/XXXX inquiring why I had a 30 day late payment for XX/XX/XXXX and it is inaccurate. Conns is reporting to the credit bureaus that I was 30 days late paying My XX/XX/XXXX bill but that is false. I paid them XX/XX/XXXX and the bill is due on the XX/XX/XXXX of each month. and also paid again on XX/XX/XXXX so there is no way that my XX/XX/XXXX payment can be late. I have tried to resolve this issue with them but they have rejected to have this item removed from my report. I have bank statements that show they were paid on time for the month of XX/XX/XXXX
Mortgage Modification completed XX/XX/XXXX, signed docs and submitted to bank. This was a fixed rate for first 5 years then rate increases almost a point per year for the next 3 years ( Stepped rate ). Less than 30 days later bank sent a new contract with same rate but fixed for 30 years and told me I had to the choice to keep the current or go with the new contract that was provided in XXXX XXXX. Second set of docs were signed as it was a better deal offering fixed rate for 30 years ( no brainer ). The same 30 year fixed rate contract was submitted to XXXX XXXX NJ as official record. XX/XX/XXXX I received a letter explaining my 5 year fixed rate lock would expire XX/XX/XXXX and rate would increase by a full point. I explained my situation that the signed contract I have from XXXX XXXX is the one that Chase bank said was the one in force. 4 weeks later ( XX/XX/XXXX ) Bank said they were not going to honor the XX/XX/XXXX contract ( Fixed ) and only use the XX/XX/XXXX ( Stepped ). They also told me this is what they decided and that there was nothing I could do about it and would not allow me to talk to any supervisors as it is a done deal. 
Please also note they raised my rate XXXX XXXX XXXX instead of what on the stepped contract of a XXXX XXXX XXXX execution date. 
Chase has come up with so many poor excuses for not honoring the contract I have, also I always get a different story on why they are going with the XXXX contract but no reason why they ca n't honor the XXXX. 
Please help me get JP Morgan Chase honor the contact that we agreed to 5 years ago
On XXXX/XXXX/XXXX at XXXX XXXX, I made a deposit of {$1600.00} through my phone. The deposit was a payroll check that I had previously deposited into the same account, the same way for the past 2 years, without any problems. The check is from XXXX, from a local city of XXXX, Ca. 
Previous checks from the same account, around the same amount had been deposited XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - no issues no holds. 
For some unknown reason, I was advised today XXXX/XXXX/XXXX that a hold was placed on this check. That meant all of my scheduled bill payments were not sent out yesterday as scheduled, they were reversed today and I was charged several {$35.00} NSF fees. 
These payroll checks have never had a hold placed on them in the past, nor have any of them been returned to my account in any adverse way. 
It is unfair and unreasonable to place a hold on this check " just because '' Bank of America decided to. Now I am in jeopardy of being late on several bills that I attempted to pay and am paying unjustified NSF fees. 
I called customer service and was advised they did not know why the hold was placed. 
The bank can not simply make up their policies and procedures as they feel necessary.
This would be the XXXX time that I have send out dispute letters to equifax with exact instruction to investigate my negative accounts and they have send back result telling me that they need more information about my dispute.
I have an XXXX MasterCard. I pay an annual fee and in return do not get charged a surcharge on overseas transactions. When using the card in XXXX, the XXXX bank offers the merchant a choice of charging me in Euros or in Dollars. The rate of exchange the XXXX bank uses to calculate the Dollar amount is, of course, a rip off. I have tried to get merchants not to choose the Dollar option. But they don't always understand, and in a restaurant, I am not standing next to the waiter as they process the transaction.

I am sure this practice must be costing cardholders millions. It should be stopped. And of course, I should be compensated for the losses I have suffered.

I am attaching a statement. Most recent charges are in Euros. But there area few XXXX  charges in Dollars. This is where they are ripping people off.
Harris & Harris represented to me over the phone that a bill was in my possession, which in fact had never been delivered. After confirming my only address, they stated the letter was not delivered due to the address on file with their client being incorrect ; they do not dispute this error. When I responded to their phone call in which they stated I owed a debt - any inquiry as to the details of the debt were met with resistance. I was told that if I did not pay right away, my credit would report would be hit. I requested that if - any - substantiation of the debt would be provided, I would be happy to look into it. I was threatened that if I requested documentation of the debt, my credit would be affected. I persisted with the request for the evidence for the debt, receiving it finally the week of XXXX XXXX. This was the first bill I had ever received from the healthcare provider Harris & Harris represents. I pulled a credit report showing Harris & Harris entered the collection to my credit report weeks before providing me with the bill. In a subsequent phone the next week after receiving the bill, they refused to remove the collections to my credit, even if paid in full. 

Throughout my interactions with Harris & Harris they misrepresented communication with their client, lied about my communications with them. Their staff were elusive when pressed for even basic facts, and engaged in fast-paced, coercive lines of questioning as well. 

In summary, I was called one day and told I owed a debt. When I asked for the bill, I was harassed, had the debt reported to credit agencies, and lied to - all for a bill I was willing to pay.
I was called and offered a settlement on a debt for less then owed. I agreed to do it if they removed the collection from my credit report vs just saying it was paid. They agreed but once payment cleared they only updated it and refuse to remove it from my credit as promised. I feel it 's fraud.
In XX/XX/2002 I was struggling to find a job, kept being told if I had a degree I would be better off. So, I found XXXX XXXX and the XXXX XXXX XXXX got me set up for financial aide. 

I was led to believe that the college would help me find a job once I graduated, which they did not. And that my degree would help me pay off these student loans. 

Now, with XXXX I've had NO problems EVER. They are concientious, their fees are legitimate. I have been dicking around with XXXX XXXX for 16 years now and my XXXX has not gotten out of control AT ALL, unlike the XXXX XXXX fiasco. I thank XXXX that my loan to XXXX XXXX was only for {$5000.00}, which is now {$11000.00} ( you can see from attachment what I've paid and what DID not go to the principal ). My XXXX is going down because I am now officially ignoring XXXX XXXX and concentrating on paying XXXX off. 

I want this perfectly clear, if XXXX XXXX had legitimate fees it would already be paid off. How do I know this? Because in this same time frame I purchased a XXXX truck for {$5900.00} and paid it off within 3 years. 

So, why didn't I get XXXX XXXX paid off? Because for every payment I made went to INTEREST only, nothing went to the principal. I've attached copy from Navient website. 

I was at my wits end and finally found your website ( after years of searching the web for suits against XXXX XXXX ), so I am sending this in hopes of some kind of resolution. I don't feel like I owe them ANY more money. It was only a {$5000.00} loan people! What the heck has happened to our country where big corporations are allowed to run roughshod over citizens that pay their taxes and served their country honorably. 

Thank you for your time. 
XXXX XXXX XXXX XXXX
Signed up for a Lowe 's Consumer Credit Card, managed by Synchrony Bank. Signing up for " paperless billing '' apparently means " do not send any statements/alerts whatsoever ''. Eventually XXXX I forgot about a balance, and had a late fee plus interest. Also XXXX I had to " opt in '' to receive email statements/alerts. I paid the balance in full. Receive an alert a couple weeks later that there is still an outstanding balance on my account. I see Synchrony Bank actually charged me interest on the balance I paid in full. I immediately called and spoke with XXXX XXXX rep ID # : XXXX ) ; she waived the interest, removed the late fee, and canceled my account. I would like an official agency to investigate their business practices, because this seems like a scam ; " let 's see how many people we can straight up steal money from! If they complain, give them their money back no-questions-asked, but if they just pay, keep charging them! ''
I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : WFHM ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.
Citibank Home Depot Credit services enrolled me in paperless billing without my knowledge which caused me to not receive a paper statement in the mail informing me that I had a balance due. After 90 days, they called me to inform me of this and I promptly made a payment and closed my account. My concern is what negative impact this has caused on my credit score and rating. I have a personal attorney and he will be looking into this for me and filing the necessary legal action to return my credit score and rating to it 's previous state.
have XXXX leases with ford credit, my daughters car got parking tickets so the XXXX parking authority, sent letters to both myself, and ford. I paid the tickets, and so did ford. 
I sent Ford Credit, my invoices on my credit card showing that they were paid, but they have me owing this money, and have me with XXXX late payments on my lease, which I was not late..
In XXXX, I opened dispute with Experian regarding inaccurate information on my credit report for a XXXX trade line. In XXXX, the trade-line was deleted. Seven months later the trade line is back on my credit report after it was deleted.
Started school in XXXX XX/XX/XXXX and my College, XXXX XXXX in XXXX, had me secure a private loan from Genesis Lending. I have been paying on this loan since the day I started school. I received a letter a few months ago in regards to XXXX being bought out by XXXX XXXX. It stated that part of the purchase aggreement was that these private loans that XXXX had through Genesis would be reduced or forgiven. I have spoken with Genesis several times to find out the status of my loan and have been told that they are still going through the loans and will contact me when they have more info. I called Genesis on XXXX/XXXX/XX/XX/XXXX after not hearing from them and I was informed that my loan did not qualify for a reduction/foregiveness as it was sold to XXXX at some point. They could not tell me who XXXX was or when my loan was sold. I have XXXX loans with Genesis Lending. The account numbers are # XXXX and # XXXX. I would like any help in finding out why after the XXXX XXXX XXXX fining this school and the agreement by the purchasing company why my loan is still has not been addressed.
Back in XX/XX/XXXX I did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports on XX/XX/XXXX but not all 3 credit bureaus have added the above creditor back on my credit report in XX/XX/XXXX.
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?
I bank with XXXX XXXX XXXX. I 'm on Social Security XXXX, and have been getting more and more Overdraft fees. In the past 3 months I 've been charged over 500 in fees. XXXX is my only source of income. And these fees have been causing undue hardship and harm to myself and my family. This month, due to the rolling overdraft fees, within a week of my social security check being deposited, my account was already in the negatives. I attempted to work this issue with the bank, they removed ONE overdraft fee. My bills generally do n't change monthly, but due to the {$36.00} fee for each overdraft, they have been taking more and more of the money I need to survive. I need some help getting this issue resolved.
I have mailed, filled out online forms, called for them to remove my fraud alerts and update my personal information that I can apply for car loans, mortgages and housing. It has been well over 4 weeks since my first contact with all the credit bureaus and no financial institution can process my application because the info on all my reports are outdated with old numbers and addresses ... I changed phones number recently but the fraud alert is tied to my old number. I keep trying to get them to update my number and they say they will do it every time but I have seen no resolution or change on my end ...