WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for assistance after falling behind on my mortgage due to unemployment. I have hired an attorney to help me with the process. The attorney 's in house underwriter states I qualify for a regular XXXX modification. Bank of America now states I do not qualify for a regular modification due to XXXX / Investor non-approval. I have not received any denial letters or explanations. We believe there may be an error in some of the information the investor is using to make this determination such as the value of the property or similar. Bank of America has also started foreclosure by filing a Notice of Default on XXXX XXXX, 2015. They did not review me in a timely manner that last time I applied for assistance. They stalled and took 76 days to review me. This is after they filed the Notice of Default against me, thereby burning all of my time waiting for them. Per my attorney, this is wrong and I believe illegal as it violates Respa Reg X- Regarding timelines for reviewing someone for foreclosure assistance, especially after a Notice of Default is filed. I am told they were supposed to review me within 30 days of having a complete package. They received my complete financial package on XXXX XXXX, 2015. My attorney confirmed they received the package and that it was complete on XXXX XXXX, 2015. However, they did not make a decision until XXXX XXXX, 2015. I have attached notes from my attorney 's calls to the lender. You can see they did not review me in a timely manner. It feels like they stalled on purpose and then intentionally denied me solely to reach the 90 day mark where they can now set a sale date and I have run out of time to save my house. They give no reason for the denial and now they have burned all my time to be able to correct what ever errors they made while reviewing me to save my home. I am told by my attorney that the timelines set by RESPA Reg x to review someone for loss mitigation assistance within 30 days of submitting a complete financial package were set up this way because lenders were stalling and then just setting sale dates. I fear this is my case. Bank of America seems to have burned two and a half months sitting on my application. This is after foreclosure was started and my timeline to a sale date is also running out. They are not not giving me the reason for my denial and as of XXXX XXXX, they can now set a sale date leaving me no time to figure out how to save my home. Attached you will find notes from my attorney 's office proving Bank of America sat on my loan modification request and has burned my time since my Notice of Default putting me into a bad situation now facing a Notice of Sale.
On XX/XX/XXXX a hard inquiry into my XXXX credit report was gathered from XXXX. I called XXXX and was told there was nothing they could do to dispute it and I called XXXX and let them know it was not me and they directed me to this website and make a report. 

The following day on XX/XX/XXXX a hard inquiry into my XXXX credit report was gathered from XXXX  Im not familiar with this company and I did not apply for any type of credit over the last few days so all of this was a surprise to me.
In progress dispute for Case number : XXXX. The company 's answer is not relevant to the situation. Clearly a stock answer they have brewed up. I HAVE disputed the information and can not access the dispute. Furthermore, I am unable to submit any disputes online. The system rejects me any time I try. Finally when I try to call to fix it I am passed around like a hot potato. There is erroneous information on my credit report and I want it fixed. If you wo n't fix it I need to be able to dispute it.
XX/XX/18 received a welcome letter from XXXX 's prepaid XXXX. I never applied nor asked for this prepaid card. It has a prepaid card in the welcome letter with activation sticker. I'm worried that this will effect my credit score or was opened by someone else using my information. Tired to call XXXX 's and could not talk to a live person without having to input personal information like social security number etc. I'm not going to do that. There are fees associated with the account. I hope they aren't already charging me.
Parent loan assigned to AES, American Education Services. Unwilling to do a fair Income sensitive repayment plan. Another company, XXXX was able to, and payments are being made on the other loan and would like to also to make payments on their loan, but income sensitive plan was XXXX/ month. They stated no other options available., really!
For some reason my XXXX XXXX XXXX and my XXXX cards thats in good standings is not reporting on my report my husband added me on to his account and XXXX, Equfax and XXXX XXXX is not reporting both cards
While I was in XXXX, I ordered cable and Internet services with XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I received XXXX XXXX and transferred to my new XXXX XXXX at XXXX XXXX VA since I work for the XXXX  XXXX XXXX as an XXXX XXXX. I requested from XXXX for the Services to be transferred from XXXX to XXXX VA. The customer service representative advised me to keep the equipment until I moved to my new residence. After moving, I called to setup service at my new residence in XXXX VA but quickly discovered that XXXX doesnt service the area. So I had to cancel the service and returned all of the equipment. The XXXX representative confirmed that services couldnt be offered at my new residence and informed me that the early termination fee would be waived on my final bill. After receiving the final bill, I paid everything but the {$250.00} early termination fee that was supposed to have been credited. XXXX applied my payment to the early termination fee on the final bill instead of the amount owed for cable and internet services at previous residence in XXXX during last part of the billing cycle in XX/XX/XXXX. Then to add insult to injury, XXXX referred my account to a debt collection agency SW Credit Systems LP even though the account was in fact paid in full. SW Credit Systems LP has been calling me day and night to collect for a debt that I dont even owe and to make matters worse, they reported the bogus debt to the three credit reporting agencies which caused my security clearance with the XXXX  XXXX XXXX to be suspended. Ive called XXXX numerous times and I was told that they would contact SW Credit Systems LP to resolve the matter and get them to remove the derogatory mark on my credit report so that my security clearance can be restored. Ive also requested from SW Credit Systems LP to remove the unjustified derogatory mark from my credit report and each time they refused. In the meantime, I can not work my normal job without a security clearance. Ive sustained damages well over {$10000.00}.
XXXX XXXX XXXX raised my interest rate on a credit card after the XXXX financial collapse and causes me to lose my good credit score rating which was unfair to me. Navy Federal Credit Union now is using what XXXX did to me to justify raising my interest rates also. I tried in good faith to get Navy Federal Credit Union to lower my rate with no luck, now Im requesting Navy Federal to follow the Credit CARD Act of XXXX : If a credit card issuer increases your annual percentage rate based on factors such as your credit risk as a borrower or market conditions, the creditor shall consider changes in those factors when determining whether to reduce your annual percentage rate. Every six months ( at minimum ), issuers must review accounts on which they raised the interest rate sinceXX/XX/XXXX to assess whether the facts they used to raise the interest rate have changed. If so, they must lower your rate. 
I respectfully request to have a review showing I have not improved in my credit rating not reflecting the XXXX XXXX credit card. Navy Federal has no reason to deny me my request for lowering my interest rate?
I had a repair performed on my vehicle at XXXX XXXX XXXX on XX/XX/18 and had a balance due of {$830.00} for this work. I was not aware of the balance, since I never received an invoice from XXXX. I became aware after receiving a debt collection notice from XXXX XXXX at Credit Counsel Inc. on XX/XX/18for {$920.00}. I spoke to the management at XXXX  to let them know that I never received an invoice, which would have alerted me to pay and I was disappointed that they sent the bill to collection without even letting me know. They agreed that an error was made and they were supposed to invoice me but never did so due to an oversight. I promptly paid the outstanding balance due to them, which was {$830.00} in person on XX/XX/18. I was assured by XXXX that I no longer owed them any money and that the debt collector will no longer be contacting me for payment. I received a receipt from XXXX, showing the payment made and that the balance on my account is {$0.00}. However, I have received additional correspondence after payment was made from Credit Counsel on XX/XX/18 requesting payment for {$86.00} even though I do not owe this money, as I already paid my debt and resolved the issue with the creditor.

Further, the balance that Credit Counsel Inc. is stating I owe increases with each notice I receive. The initial notice received on XX/XX/18 is {$910.00} which includes {$83.00} in excess of the balance owed to XXXX. An email received on XX/XX/18 indicates I owe {$920.00} ( {$85.00} in excess of the balance owed ). I paid off the debt on XX/XX/18, and received another notice on XX/XX/18 for a total of {$86.00}. When I inquired why this excess amount is owed from Credit Counsel Inc, an explanation or details supporting the claim could not be provided and they only sent the invoice of {$830.00} from XXXX. I also inquired of XXXX on why the amount being charged by the debt collector is higher than the amount owed and the manager, XXXX XXXX, at the XXXX  stated that it is not in accordance with their contract for Credit Counsel to charge more than the {$830.00}, since Credit Counsel receives a fee as revenue from the amount collected from the debt.
I took out a payday Ioan in XX/XX/2017 with a company call XXXX XXXX. A company called XXXX XXXXXXXX help is representing me. I have been making on time payments to them for several years to resolve this predatory loan. They have also been sent several cease and deceit legal documents forbidding them to contact me directly. They have called my employer and a threatened to serve me with legal papers. I told them that I would file a complaint it they contacted me again. They then called me on my cell phone and were extremely rude and aggressive. I had made every attempt to pay this loan back.
Please refer to my earlier CFPB complaint XXXX dated XXXX/XXXX/XXXX. 
As per that : XXXX Please refer to my earlier complaints about Citibank. It seems there is no way this bank can improve and do something better. The latest issue - the customer service folks are not even aware of the correct XXXX Routing #. I called them via phone during XXXX XXXX XXXX to XXXX XXXX XXXX. As I was not having the online access or my check book - I simply asked them about my account # and the XXXX routing # to setup a direct deposit. The gentlemen on the phone told me that XXXX routing # is : XXXX though he provided me the right account #. I setup in my employer 's portal for the direct deposit. For the pay on XXXX XXXX XXXX - i realized the direct deposit is not happening and then reached out to their customer service again. Only to realize that the routing # is wrong. He told me that if the routing # and the account # is not matching - then money will be refunded. My employer might charge me penalty for this. And I have no idea what happened to my {$100.00} direct deposit which went into somebody 's else 's account. This is so careless mistake by the customer service. Citi has a usual habit or pattern of making simple things complex. Moreover Citi has  grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. It 's just too difficult to deal with this bank. 

================================================================= Essentially speaking Citi customer service gave me wrong information about the XXXX routing # and thus the direct deposit failed. 
This failed direct deposit was totally Citi 's fault and they accepted it also. 
When i was opening this account - it had a promotion of {$500.00} - i fulfilled that by applying the right promotion also. It was opened using the webpage that they had at that point of time. 

Once again citi is trying not to honor their words and deprive me of the promotion.
The repayment options do not take Into consideration living expenses just gross income. I barely have income left after monthly bills and my son. I 've had years of issues paying the loan back and there has to be an option to help. Other people get help. I could have had assistance with school payment when I signed up for school. I did n't even have a stable home or live with parents. I feel the forebarences put me way in over my head with Intrest and I will always be stuck and I should have never be signed up for the route I was given. I was young and misinformed and could have had way more help.
RE : Account : # XXXX After formally disputing the collection account referenced above ( that does not belong to me ) with Financial Data Systems & the credit bureaus, I filed a complaint with the Attorney Generals Office against the debt collection. The correspondence from Financial Data Systems, dated XX/XX/XXXX, to the Attorney General office  stated that they had enclosed information in regards to what they sent me & attached a copy of the financial agreement form dated from the alleged time of service, XX/XX/XXXX XXXX, however I did not sign that agreement & the Signature of Patient section is completely blank, no one signed it- including the alleged witness! 
The company continues to claim that the collection account is valid & my responsibility, however it is impossible to validate any account if the financial agreement is NOT signed by the patient/consumer ( or anyone for that matter ). 
There is no legally binding contractual obligation verifying I am the one responsible for the alleged amount owed ( {$410.00} ).
On XX/XX/XXXX, City National Bank ( " CNB ) filed a lawsuit through their collections lawyer, XXXX XXXX XXXX against me for collections for three accounts I had with them including a personal credit card ending in XXXX. 

On XX/XX/XXXX, I entered into a settlement agreement with CNB which was signed by XXXX XXXX, Assistant Vice Principle of CNB. In exchange for payment of {$78000.00} which I made, CNB agreed to " to cooperate with [ me ] if [ I ] file any dispute with any credit reporting bureaus as to the current status of such outstanding loans in dispute in this litigation only... including without limitation to not dispute any requests by [ me ] to have such negative credit entries removed from my credit history in response to any requests by me. 

On XX/XX/XXXX, I emailed XXXX XXXX and XXXX XXXX and asked them for a deletion letter pursuant to the settlement agreement for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also informed them that I was in the process of buying a house and needed this so my XXXX XXXX can increase for a loan. 

On the same date, XXXX XXXX and XXXX XXXX informed me that they would not provide me with a deletion letter. Specifically, he said that the agreement does not require them to take " proactive steps and write letters on my behalf despite admitting that the settlement agreement requires CNB to not dispute any request by me to remove the negative entries from my credit. XXXX XXXX also offered to contact the credit bureaus and inform them that the account was settled. 

On XX/XX/XXXX, I informed him that I do not want CNB to respond to the disputes or confirm with the credit bureaus that my account was settled. XXXX XXXX confirmed that CNB would not respond to my requests to have the negative entries removed on my credit report. 

On XX/XX/XXXX, I received a letter from XXXX XXXX, Assistant Vice President of CNB stating that they could not process my request for a deletion letter. 

On XX/XX/XXXX, I was informed by XXXX XXXX XXXX, and renowned expert credit analyst and witness that CNB actually responded to my requests to have the above negative credit entries removed and in fact confirmed the entries.Ms. XXXX, in her capacity as an expert witness, reviewed the agreement and my recent credit report and has determined that CNB is in breach of its agreement with me. 

I have no other choice but to proceed with filing a lawsuit to enforce the terms of the settlement agreement. If I don't receive the deletion letter I requested from CNB by Monday, XX/XX/XXXX, I am going to court and I am going to hold a press conference about how CNB treats its customers. 

Thank you for your prompt attention to this matter.
In XX/XX/XXXX my spouse, XXXX XXXX and I, XXXX XXXX filed bankruptcy which was paid off and released in XX/XX/XXXX. XX/XX/XXXX we were informed that the loan was sold from Homecommings to FCI. Discussion with FCI I was informed that they purchased the loan seriously delinquent. I informed them that the information was incorrect. I continued to pay FCI awaiting a discovery of documents until XX/XX/XXXX. FCI has refused to work with me insisting that the was purchased approx. XXXX. I requested documentation from the bankruptcy trustee which shows that the loan had a balance of approx. XXXX at the time of the bankruptcy being filed. It appears that all payments to the loan were placed in a suspended acct and were not paid towards the loan at the time of the release from the bankruptcy courts. I continued to pay FCI for a year longer than the loan was to exist and have no copperation from them. XXXX XXXX and I were divorced in XX/XX/XXXX. My lawyer, XXXX XXXX of XXXX, S.C. Has made several attempts to communicate with FCI with no results. I stopped paying FCI IN XX/XX/XXXX when I was out of work. According to my documents I owe no more payments and I am due the deed to my property. FCI has not taken any legal action nor is the loan been reported to any credit agency since the FCI purchase. I can not afford to retain another lawyer
I HAVE NEVER HAD SERVICE WITH XXXX, NOR HAVE I EVER SPOKEN TO XXXX IN REGARDS TO AN ACCOUNT, AND HAVE NOT RESPONDED TO VALIDATION OF DEBT
I attended an online school but did not finish. I withdraw from it. I did not receive a loan agreement to how much I will be paying for how long. My loan provider gave me a outstanding balance of XXXX plus which I can not pay long term. XXXX yrs. Which I will be retired with no money broke, by he time I am done. I lie by myself in a high paying rented apartment, with no help. I have a learning XXXX plus anxiety.
A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam.
This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on Transunion and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further which  may  result in a lawsuit.
XXXX sent a false loan verification over to XXXX XXXX in XXXX stating that I took out a loan in the amount of {$420.00}. In fact the loan was canceled in XXXX and I have proof of it, while providing that proof to the bank they have refused to send the money back that was taken. They have also retaliated by submitting false information to the credit bureau stating that this account was late and defaulted by reporting rolling XXXX lates to all three agencies. I have since disputed asking for the note that was signed for this loan amount of which they have not been able to provide.
This company submitted a fault reply to CFPB when they addressed my concern I had always paid them within the 15 day grace period and they still reported to the various credit companies that I was late. Please see the attached exhibit A
I have been having an ongoing issue with XXXX XXXX. I called to renew my account and that started an chain reaction of mistakes, that led to me finding another service provider. 

XXXX customer service made several mistakes that led to them turning on electricity at the wrong address ( during renewal ) same street number but wrong street. When I called several time to correct this they had really nasty attitudes and basically kept saying nothing could be done. I had tried to switch then but, when I checked my account it gave me an incorrect renewal date, so I switched back. 

When it was time to renew I stayed with XXXX. I signed up for 8.5, it was changed to 8.9, then 10. They said it was an error then they said even though my account said 10, I was being charged the correct amount of 8.9. My bill still did not look as it should for 8.9KPH. 

I questioned if but was basically told there was nothing I could do. I finally switched providers with the help of XXXX. Nothing was done at that time about their behavior. 

My account is closed and paid, but as soon as I made the first payment a few days later they filed a lawsuit trying to sue me. I think this was unfair since they knew I had made a payment to clear the account and this along with all the other things seems as if they have no respect for their customers long term or not. XXXX  Complaint Case # XXXX ( Ref # XXXX )
I have been trying to ge t U.S  Bank to give me a payment that is in my price range, so that I can keep my home. I am retired and every time I do a loan modification for my home, the payments seem to get higher and higher. I am retired with a fixed income and there is no way I would be able to pay what they are telling me I have to pay to keep my home from being foreclosed. I have been doing this process since   XXXX   and it does not seem like we are getting anywhere. I feel like this company is prejudice and discriminating against me. I have been trying to work with them but they just do not want to hear it. They rather see me outside and no where to stay then give me an modification for a payment that I can make.
XX/XX/2019 I applied for the XXXX  credit card in the Chase Credit Card website and be approved one month ago. I have yet received my credit card. I call the customer service of the Chase Credit Card company and they transfer my call to many many departments. The call lasted for almost one hour. But, none of them can answer why I can not get my card and how I can get my card. This severely influence my life because I was waiting for the card for emergent purchase.
I was coerced by Capital One to switch my free account to a fee account. I was told because I was a long term customer there would be no fee. Now {$60.00} fee.now have to cancel. They say I have XXXX accounts not XXXX,. Penalized now for cancelling account. Would not bend when called. They are a terrible company. Also kept raising interest fee for no reason. Have excellent credit. It is usury. Keep your wallet closed for this company
In 1993 I took a student loan out ... i had to repay XXXX. After growing up and having a family the student loan was at the end of my list to worry about. It's been in forbearance and what not off and on ... made payments for a couple of years here and there. 
Now 25 yrs later I owe XXXX. That's XXXX in fees and interest. I feel this is very wrong. I can't get a hold of anyone to talk to about this. What happened to the payments I did make? Are you charging me a huge fee everytime it gets transferred? I want to see if I can get the XXXX in fees waived and pay my original balance. But when I call they hang up on me and vant tall to anyone.