WillisBack/dataset-financial-user-claim huggingface dataset:
We fell behind and filed Chapter XXXX. We closed the Chapter XXXX  and a few months later offered a modification. Sadly during the second month of our modification my husband was hospitalized and had to have XXXX. My name is not on his bank account and when the payment was returned I could do nothing. I contacted Mr. Cooper and they where no help. Than they sent our account to an collection agency and I even contacted the collection agency, but no response. Than we again reached out to Mr. Coopet and they have just given us the run around. The stop taking payments, stop paying the insurance on home and the flood insurance. Than they put our home up for sale in the paper and on XXXX  without telling us. The sale date was XX/XX/XXXX but was canceled reason not known. We spoke with a Mr. XXXX  at Mr. Cooper on XX/XX/XXXX and he was going to email us some papers, but never did. Than today XX/XX/XXXX he contacts us saying their is nothing that can be done. All these days he knew this but failed to mention it until today XX/XX/XXXX. This company won't take payments, but still running up our escrow account by paying the flood insurance even after the bill was sent to us. I think this company needs looking I to. They went from Nationstar to Mr. Cooper, but same old business dealings.
I made a small purchase XX/XX/XXXX under Best Buy 's " 18 months free interest '' terms on my CitiCard administered account, with the intention of paying the account down to {$0.00} prior to the end of the grace period, as I had done on XXXX previous occasions. 

In keeping with the spirit CitiBank has demonstrated with its customers, which has led to the multiple complaints against them with your agency, they did not honor the terms of the Best Buy free interest offer. When I was delayed in making a payment due to unemployment, they imposed criminally usurious penalties on my account. Please see the handwritten notes on the attached statements of my attempts to resolve the matter in a fair, and legal, way. XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; undated ; XXXX. XXXX, XXXX. ) These were all rejected. 

I refuse to pay the ridiculous penalties imposed by CitiCard, which now add up to over 500 % of the actual principle balance due. For this they, and/or the collections agencies to whom they have sold my loan, have placed monthly negative notes with the Credit agencies, severely damaging my credit rating.
I have sent numerous letters to the three credit reporting agencies and also the companies involved asking to remove inquiries. I keep getting the run around credit bureau says to contact customer who put the inquiry on, the company says they ca n't remove to contact the credit bureau. 

None of these inquiries have been marked as disputed on my credit report, I do believe these are supposed to be verified just like any other thing on my report that I dispute.
There is an address on my credit report that is not  one  of my addresses. It is a Nevada address. I have never lived in Nevada. However I did have credit cards that have been compromised that the address was in Nevada.
XXXX was discontinued at XXXX ( a cashback card ). In its place, I was issued a Citi Business card ( also a cashback card ) I wanted to get a second user card for my daughter to have her own card ( She already had a XXXX card ). The day I received the new XXXX card, I called XXXX to make the request. A card was received. It was the Citi XXXX card ( mileage benefits ) not the Business card ( cash back ). I called XXXX & was told I had to go to XXXX for the card to be issued. XXXX told me to go back to XXXX. XXXX took all the information & said a card would be sent. I waited. A card was not received. I called again ( maybe twice ) I believe it was Thur XXXX when I spoke to a woman who told me the card would be expedited & I could expect to receive it Tuesday XXXX. I received an email confirmation. Then, because the delay cost me cashback, I spoke with XXXX in AZ, ID # XXXX. The issue was the cash the delay had cost me cashback credit. XXXX promised a {$100.00} credit. Today is XXXX the card has not arrived. I just spoke with XXXX in AZ, ID # KYT XXXX. I was told only {$10.00} added to my cashback was the only benefit I would receive to compensate for the time, money & aggravation caused by misinfomation and incompetance by XXXX 's Customer Service. I believe the cashback earned by my daughter 's purchases would have been more than {$100.00} but, out of frustration, I accepted the settlement. My conversation with XXXX was VERY unsatisfactory. He told me that the card had been sent by regular mail on Fri XXXX and he could do nothing about increasing the cashback credit. No courtesy call or email from Citi to let me know about the delay or the minimal credit was made. XXXX was adamant in saying that Citi has millions of customers & could not accommodate my request. That number of clients is great but how about a Customer Service entity to be knowledgeable & efficient & TRUTHFUL? If, for some unknown reason, more than {$10.00} could be credited, to my logic, Citi could send me a check. No, he told me, that was n't possible. Citi can not issue a check??? Now, I think it is fair to have a Citi employee look over the expenses incurred by my daughter with my supervision, to assess exactly how much money would have been earned. And, why would I be told by the first Agent & confirmed by XXXX # XXXX that the card would be expedited ( not true ) and per XXXX that I would get a ( measly ) {$100.00} credit when he would only authorize a {$10.00} credit? Why are XXXX Customer Service agents allowed to give misinformation & downright lies without consequences. Why am I paying the consequences for their inadequate service?
I was faithfully paying my mortgage payment from the time, Ditech Financial took over and transfer our notes from XXXX. No missed payment nor late payments as a proof, I can send all evidences of all my mortgage payments in the future. We kept on sending our mortgage checks to Ditect before the XXXX of every month as stipulated from our Deed of Trust, unbeknownst after researching from our bank account 's that our last mortgage check was only cashed since XXXX? We continued to send mortgage payments from XXXX and XXXX and Ditech never cash out anymore those mortgage payment checks we sent to them? I am a XXXX and my work schedules were so hectic besides taking care with my little children. Therefore, I communicated with them through mail immediately. I was asking why Ditech does n't want to cash our XXXX and XXXX mortgage payments checks and they want my homestead to proceed on for foreclosing in which me and my husband will not allowed for any reason. Therefore, we requested Ditech to process our Loan for the Federal Home Affordable Modification Program that is still available until XXXX and until now Ditech is not yet responding from our request until this moment. XXXX had done their abusive collection tactics by their agents in posting notes of threats in front of doors of our home. I am requesting for your good office to investigate the unlawful conduct of on their repeatedly harassing and abusive collections on our property that our members of our family were threatened while we were out of work. They always come inappropriate hours. They always come even after I have communicated Ditech by mail. They repeatedly doing their illegal debt collection practices. I appreciate so much for your cause of helping us under your provision on protecting homeowners as well consumers from Mortgage Companies based on your discretion under Consumer Financial Protection Bureau on Debt Collection Act.
I tried to get a copy of my equifax credit report online ( XXXX and XXXX worked fine ) and was unable to get a copy of my equifax report. one week later I tried to get a new mortgage from a bank, and they could not access my information on equifax. I called equifax and they will not tell me what the problem is. They told me " they will not finish '' their investigation of my report unless I send in documentation. I have to submit copies of my Social Security card, Prove my address, Photocopy of drivers license, IRS tax forms, ... I asked what the investigation/review was for they would n't tell me. XXXX XXXX told me they would n't do anything with my credit report unless I sent everything to them. I again asked why there is a review of my report and what that meant, she replied " i already told you you have to send in the information ''. I thought everyone could get a copy annually of their credit report. I guess you can unless they are magically reviewing it. Which has happened the last few years with equifax. I am only complaining this year because now it is affecting me getting a mortgage. My lender has a policy that they view all XXXX reports.
Wells Fargo offered a promotional rate of 3 % per year and increased it for a late payment which was totally by mistake in billing.
I received a call from Wells Fargo Call Center for student loan collections on XX/XX/XXXX where I told Wells Fargo representative that I wanted to be on Forbearance as I still don't have a job and they stated they need to transfer my call to a supervisor since i was almost 29 days past due and possibly need one more payment before i can be put on forbearance. A supervisor came on the line and asked me a couple of questions and said i was approved for forbearance without a first payment since i am not completely 30 days past due. I also asked if this call was recorded and she said yes. On XX/XX/XXXX, Wells Fargo reported me late and in my previous complaint i stated this and Wells Fargo denied saying approval of forbearance. I disagree and know that Wells Fargo is lying about my call on XX/XX/XXXX so looking to have the phone call pulled and presented to me as I know i was told by the supervisor that i was approved for forbearance.
I have worked for the past 19 years as a XXXX XXXX XXXX at XXXX XXXX XXXX ( ALL of them ). I MORE than qualify for XXXX XXXX Student Loan Forgiveness ( Most recent degree- XXXX- completed in XX/XX/XXXX). I tried TWICE for it and had all of the documentation ( XXXX Forms completed by school system personnel office ). I was turned down both times. I am in forbearance and NOT in default. Nor have I ever been in default on this loan. I am very conscientious about keeping my forbearance current. None-the-less, I was told some old XXXX. like " Well, we see you had loans in the XXXX 's ''. So basically because I 'm of a certain age and have multiple degrees, they are telling me that I ca n't get the loan forgiveness on my current student loan ( Stafford Loan being handled by " FedLoan '' ). I 've read that people have been erroneously denied loan forgiveness and feel that I am one of them.
I submitted a refinance application with FirstCal bank in XXXX. I paid for the home inspection, submitted my paper work ( tax forms, XXXX, current loan statement etc ). I became suspicious of the process when they asked me for information that I had previously provided them multiple times but I really did n't know why they would try to delay the process. My wife and I have impeccable credit ( each & gt ; 760 ) and great debt to income ratio. On XX/XX/XXXX I was informed by the XXXX, the sales manager that the interest rate that I was offered ( 3.75 % ) was not going to be honored by the company. I asked him if my understanding of the loan agreement is that rate is locked in, if the rates went down I would still be locked in at 3.75 %, if the rates went up that I would get the 3.75 %. He affirmed that understanding is correct. However he said they were no longer willing to honor it. I contacted the bank 's President and CEO who says he will look into it. I am contacted by various people within the bank 's management who all agree that they will not honor the 3.75 %.
On XXXX/XXXX/16 a dispute and validation of a bankruptcy being recorded on my credit request was made to Experian in regards to inaccurate information contained in the credit report. I received a response back from Experian that they would not investigate the matter further as they verified the information. I personally went to the court and was told that no one from Experian attempted to validate the information and that the court does not submit any information to credit reporting companies. Experian continues to refuse to show or provide the method of validation of this information. As the court themselves has not validated. The utilizing a third party to verify information violates both legal and fair credit reporting guidelines.
TransUnion has received three ( 3 ) Identity Theft Reports from me with the names of unauthorized hard inquiries and they do not acknowledge removing them. They have blocked or deleted the fraudulent account but completely dismiss deleting the unauthorized inquiries. My last Identity Theft Report was sent to TransUnion certified mail on XX/XX/XXXX and listed six ( 6 ) unauthorized inquiries. TransUnion dispute results were sent to me in the mail and say nothing about removing the inquiries. The inquiries that should have been removed with the fraudulent account on my Identity Theft Report are as follows with date requested. XXXX  -  XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX -  XX/XX/XXXX, XXXX/XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX
loan was opened by my now deceased wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia XXXX.
XXXX, Trans Union, and XXXX are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.
Bank of America Mortgage Account XXXX was incurred as part of a normal XXXX mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence XXXX, which was located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The last payment activity on this account occurred in XXXX and has been reported to the credit reporting agencies for 7 years. Bank of America has stated that the charge off that its reporting occurred in XXXX and that the charge off will be reported for 7 years. However, the Fair Credit Reporting Act ( FCRA ) states that negative information must be deleted from our credit report after 7 years from the first delinquency, which for this account occurred in XXXX. By law, this account must be removed from our credit file and B of A must stop reporting the information to the credit agencies as it is past the 7 year reporting period.
XXXX XXXX sold our home equity loan to Rushmore in California. I believe Rushmore is frauding their " new '' clients. It is difficult to get anyone at that company to answer the phone. They would only let me pay by setting up account on their website to do a draft from our account. I wanted to pay the balance in full. They would not let me pay more than {$10000.00} per day. I was charged a {$50.00} fee for them receiving our loan in the first place. The next day I tried to pay the remaining balance. It would not except full balance. I had to leave at least one cent remaining. I finally got a hold of someone there and said they have to have a cashier 's check for final payment and that we owed them {$68.00} transaction fee! They said I owe them that because they would have to go to the courthouse to get the deed. I live in Louisiana and Rushmore is in California. I wish someone would please investigate the practices of this company. I looked online for information about this company and all they have are really bad reviews. I fear the deed is being held hostage.
I filed a complaint with the CFPB, in XX/XX/XXXX when I discovered an error in reporting by Ocwen Loan Servicing. Ocwen responded with a letter stating they would correct the reporting with all 4 major credit report companies, ( see attached ). I've been getting turned down for credit cards, so I requested a copy of my credit report from XXXX. 
The first item on the report is the payment history from Ocwen. It still shows late payments for XXXX - XX/XX/XXXX and a 150 day late payment in XX/XX/XXXX. I just reviewed my complaints to the CFPB, and it shows that I did file a complaint and that Ocwen responded with a letter dated XX/XX/XXXX. Letter states that they would get it corrected. 
Obviously, Ocwen is a disaster! Please penalize them, and require them to get this corrected on all credit reporting sites.
I made a purchase with a XXXX on XXXX XXXX 2017. The amount should have been {$79.00}. However, I was incorrectly overcharged by the company they charged {$190.00}. I have attached the advertisment for the wine ad below. My credit card company chase failed to do a proper investigation and sided with the merchant. The personalized advertisement clearing shows what was being purchase. Further I have attached a screen shot of the website where I made to purchase to show the price. Please help me resolve this issue and get my {$110.00} back. Just to note no corresponsedonce was sent by chase to get my side of the story.
I have been using Chase Freedom credit card since XX/XX/XXXX. However, my transaction on existing magnetic tape card ( without the chip ) was declined XX/XX/XXXX and was given the reason that I needed to use the chip enabled card which i have n't received from Chase neither have I received any communication for the closure of existing card. 

There are two points which I would like to highlight:1 ) When i called the chase customer service XX/XX/XXXX, I was told that I activated the new chip enabled card XX/XX/XXXX. However, i have not done that and which was later acknowledged by another customer service representative. I asked to formally lodge a complaint against why i was provided wrong information which was declined and was told a letter will be sent to me stating my existing card has been XXXX and I would not be able to make transaction when i use the new chip enabled card2 ) Until and unless I receive the new chip enabled card, how am I suppose to use the new card which should have been verified by Chase before declining transactions on my existing card? 

I was embarrassed today morning when i tried using my existing card which got declined and could not shop as i just had Chase Freedom card with me. 

I do understand the enhanced security function of chip enabled card but the customer be notified and consumer should have verified the receipt of the new before implicitly declining transactions. 

I would urge CFPB to look into it and take appropriate action against banks to implement the new chip technology in proper method where the consumer does n't suffer.
In XXXX I brought a car in XXXX ga. From SNAAC I fell behind in payments due financial hardship with my military pay. I tried several times to ask the company for help or set up reasonable payments I was paying XXXX for XXXX XXXXXXXX XXXX. They called and harrassed me threatening to pick up my car and lying to my command that I wasnt cooperating with them and got me in trouble. I got out of the XXXX XXXX XXXX and I have them a call again to ask can the payments be lower because I was discharged from the XXXX and I was bed rest for the remainder of my XXXX. They decline and harassed me and call my family members tell them to pay my car note or they will take. They repossessed my car and then double the price to get it back. I had to borrow money from family to get the car back because I had no transportation with XXXX babies. They damage the vehicle stole radio out and damage the frame of the car towing it. All my items for missing from my car as well.They only paid for the radio and threatening me if if I called them back to fix my car they will come back and take it. They made me sign a ridiculous contract to get my car back and I did I was unemployed and XXXX XXXX XXXX with no car and no family. XX/XX/XXXX my XXXX XXXX I had my daughter 6 months early and I was hospitalized for a month and my daughter  was in the XXXX for 3 months I missed my payment due to my XXXX XXXX. They stop answering my phone calls for me and sold my car at the auction and then call me back a year later pay the balance. Please help me this has ruin my credit and this is still on my credit report.
On XXXX XXXX, 2017 I read news that a huge number of people 's social security data maintained by credit reporting agency equifax has been compromised. I visited the website - XXXX XXXX XXXX - provided by Equifax to check if my social security data was compromised as well and the tool informed me that I *may* be affected. This is very concerning to me & the company is not providing accurate information and is only offering free credit monitoring service as a consolation. 

The company should instead accurately, and with certainty, inform me if my data has been compromised and provide steps or take action to correct the misdoings.
XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX  ). My contract with XXXX XXXX was then cancelled. XXXX and Equifax Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked XXXX  and Equifax to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. XXXX and Equifax still refuses to remove this from my report which is damaging. Please have them remove this incorrect information.
XXXX along with Experian and XXXX are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.