WillisBack/dataset-financial-user-claim huggingface dataset:
Upon reviewing my experian credit report I found a name not known to me nor have I ever use this name being ( XXXX XXXX ) with name ID # XXXX. XXXX is my married name which is a very large family with XXXX and XXXX in serveral states. However, I don't know this name and it is not mine.
We recently got a home equity loan with BBVA Compass. On our first mortgage statement we were charged a {$320.00} appraisal fee. When we reviewed our HUD-1 statement we saw that that fee was to be paid by the lender in escrow. We called BBVA Compass and after an 45 minutes of transfers and hold time, we were able to get them to reverse the charge. My concern is that other people have been charged an appraisal fee after closing, and did n't know that they should n't have to pay it.
I have been attempting to get a loan modification ( either in-house or through the XXXX ) on my mortgage loan since XXXX. My loan was originated with XXXX back in XXXX. Of course, XXXX took over the loan and began to service it. I requested a loan mod with XXXX in XXXX after I lost my job. They told me that I would not qualify for a loan mod because I would not meet the income requirements due to the fact that I was out of work. They suggested and I agreed to allow they to place me in a loan forebearance program. They stated that I could apply for the XXXX loan mod once I was back to work. I went back to work in XXXX after being out of work for 10 months. So I contacted XXXX to request a loan mod. They sent the paperwork to fill out. I completed the paperwork and sent it back. They would repeatedly send me change Asset Managers on me where I would restart the process. They finally sent me a letter stating that I did not qualify for the XXXX because my investor was not participating in XXXX. I requested that they send me documentation for my investor. They sent a letter stating that XXXX was my investor. I contacted XXXX about my loan and they stated that they were not the investor on the loan but the trustee for the security that my loan was in. When I asked who owned the security, they verbally stated that XXXX owned the security. In XXXX XXXX, while in the process of sending in another set of documents stating that they would be transferring my loan over to Bayview Loan Servicing , LLC . So in XXXX XXXX, I contacted Bayview to request a loan mod. They sent the paperwork. I completed it and sent it back. They are telling me that my investor has not given them authorization to modify the loan ( in-house or through HAMP ). They stated that I would be able to do a short sale, deed in lieu of foreclosure, or bring the loan current. I am not in a position to bring the loan current. I know that XXXX ( if they are indeed my investor ) is participating in XXXX. I am really frustrated with this unethical behavior of XXXX and Bayview. I believe that they are lying about what options are truly available to me. I need help to stay in my house.
Equifax was leaked and my information was potentially included. Really disappointing and now I 'm scrambling to make sure my identity is n't stolen.
XXXX/ACS alleges that I was late 30/60/90/120/150 days in XX/XX/2015, XX/XX/2015, XX/XX/2015 for the account ending in XXXX. I was never late on any payments.
Website and Mobile application both have my " Browse offers we've selected for you '' section have an offer listed that im trying to take advantage of. Both electronic avenues just said " thank you '' when attempting to get a referral. The offer states " Earn up to XXXX bonus points per year '' by referring a friend. I have called 3 times to inquire about the error with no resolution. I have also advised 2 CSR 's and 1 Supv of the situation including having screenshots of the writing on both the mobile app and full site. Chase made no effort to correct or rectify the error and advised we can not assist you.
I have asked for my monthly payment to be reduced before but was declined because I do n't qualify. Supposedly make too much combined with spouse. When I first applied for loans I was misinformed about the interest rates. I was told that the rates would be less because it was a federal loan. I did n't learn of my outrages interest rates until recently. I owe roughly  XXXX . By the time I were to magically pay this loan off with interest, I 'm looking at  XXXX ! I 've had to call and postpone payment before because the payments are too high, meanwhile accumulating DAILY interest rates. What a joke! If I were correctly informed from the very beginning of how horrible these loans are and how it is unrealistic to repay, I would 've never gone down this path as most students do.
Been try to pay of the account for XXXX month and seem to never get any one who can help me get a good amount to clear the account out, they are also report to my credit report XXXX time for XXXX different account and when ask can I pay the lower amount they said no and said I must pay the high one that is XXXX time the amount
Equifax is listing an account from XXXX XXXX and a Civil judgment. Niether is the account from XXXX XXXX is mine nor the civil judgment.
My daughter has made 2 payments to this company after we settled on an amount.The first payment was for {$150.00} and the second amount was for {$1000.00} in XX/XX/2018. She paid the {$1000.00} so they would stop calling me and upsetting me. The account is under my name but it was for some tires that I took out for my daughter but she fell behind on the payments when she lost her job. I asked repeatedly for them to stop calling me as I am in poor health and they would upset me every time they would call saying that I was going to get sued if I did not pay them. I gave them my daughters phone number so they could talk to her and that is when she gave the payments. I recently refinanced my home but not to get money from it, I did not take out a single penny. I refinanced to lower my mortgage payment and to lower my interest. Somehow they found out about it and thought I had money so they called pretending to be XXXX  XXXX XXXX. I gave them my social security number thinking it was XXXX  XXXX XXXX and I got scared when they told me I owned money and I needed to pay it. I knew it wasn't the bank when the man calling started getting mad and using foul language with me. They pretended to be XXXX XXXX XXXX, and I got really scared because I thought they were going to reverse or take away my re-finance.
My information was compromised due to the Equifax data breach. XXXX shows that my SOC and last name are able to be cross referenced with the data that was stolen during the breach. 

So far, I 've placed fraud alerts on all three major credit reporting bureaus and credit freezes as well for additional security, all of which I have had to pay out of pocket for.
I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. I am writing to demand that credit freezes and unfreezes be made free for individuals on which these credit companies store information. These companies already collect and sell our data, in an industry where their services are required. I ( nor any other consumer ) should be required to pay these companies to protect my information when, through their own errors, they lose the information they have been collecting without my consent anyway.
I was shocked when I reviewed my credit report and found late payments on the dates below : 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
The original company ( XXXX XXXX ) picked up the water cooler and the empty bottles that they were billing me for. I spoke with XXXX XXXX XXXX ( President and CEO ) of the company and he mentioned that he told the Collection Bureau of America ( CBA ) to close the account because the company had received everything back in its possession. XXXX XXXX whom I spoke with at CBA was very nasty and she refused to close this account even though XXXX XXXX  requested it to be closed. She claimed she had not heard from the General Manager but he mentioned to me that he had spoken with her and the company can not bill me for equipment that had been returned and was in their possession.
Applied for mortgage through XXXX XXXX and they said my report included my dads credit cards and mortgage. I dont own any property and have no XXXX or XXXX credit card.
Fraudulent charges in the amounts of, {$800.00} approximate total Refer to BofA claim # XXXX Posted to my account EDD prepaid debit card. I immediately notified Bank of America so that they could close the account to prevent further charges and so they could research and refund the funds. I answered all questions the representative asked during the conversation. I was told it would take 10 business days to resolve. As I didnt hear anything after 10 days I called for status. I was told that the research had been completed and it was found that the pin was present for the fraudulent transactions. As such, they could not prove it was fraud and the funds would not be returned to me. I reiterated that I did not make the charges, nor had I been in the city ( XXXX, CA ) where it occurred in years as it is XXXX hours away from my residence. They held firm that I would not be receiving the funds back. 
A pin and card number can be stolen at an ATM using a skimmer. Im sure there are other ways as well. Claim # XXXX. Can you please assist us in having the bank do research at the same level they would if this was not a prepaid card and they had something to lose as well? {$800.00} loss is devastating for me as I am on XXXX and am now struggling to make ends meet because of some fraudster and a bank that wont help me because its government prepaid money and no loss to them.
I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. XXXX XXXX - Date - XX/XX/XXXX. 
XXXX XXXX XXXX - Date - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XX/XX/XXXX
On XXXX XXXX I called XXXX XXXX regarding an issue with my monthly statement that was the exact same issue I had last year. Since she was able to help then, I thought she would help me this time. I was wrong. She said she was able to help last year because I had a complaint on file. While I was on the phone with her, she transferred me to another department and I spoke to a guy who said he would put a copy of my CORRECT XXXX statement in the mail immediately and that I would receive it by the middle of the following week. That never happened. So on XXXX XXXX, when I still had not received my correct XXXX statement, I filed a complaint with the BBB. My complaint was NOT resolved and I never did get a CORRECT XXXX statement. My grace period for paying my XXXX mortgage payment was up on XXXX XXXX and since it was obvious I was n't going to get any actual customer service, I went ahead and made my XXXX payment and crossed out all the wrong numbers on the payment slip. My payment also included additional principal as it has for the last 2 years. My check for {$2400.00} cleared my bank on XXXX XXXX, which means suntrust received my payment on time. Then the statement I got for my XX/XX/XXXX XXXX due date says that I have {$2100.00} in " unapplied funds ''. That is my monthly principal amount and it should have applied correctly. The additional principal I paid was applied correctly. My XX/XX/XXXX XXXX statement says I owe {$4200.00} which I absolutely DO NOT. When I called on XXXX XXXX to try to get the " unapplied funds '' issue resolved, the rude woman on the phone would n't even let me finish my sentences so I hung up. I called and left a voicemail with the escalation department and their voicemail says they will return customer 's calls the next day. They have never called me back and my mortgage is still a mess. I did not choose suntrust as my mortgage holder, it was sold to them, and I never would choose them. Their customer service sucks and they need to fix the mess with my account that they created and correctly apply the thousands of dollars in principal payments I 've sent them. They also need to return customer 's phone calls or change their voicemail to something that is n't lying to customers.
My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to Honda. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted Honda and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by Honda Financial Services and within all honesty at our time of life the prospect of being bound to Honda Financial Services for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that Honda was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.
After disputing account # XXXX, Equifax stated the account was verified as belongs to me. I have requested validation of debt from Equifax and I have yet to receive the documents. Ive contacted the collection agency responsible for reporting the debt and they sent me a generic printout of an account activity. There is a collection that is reporting to my Equifax report that has not been properly investigated. I have not received sufficient validation of debt from both parties involved.
In late XX/XX/XXXX, I checked my credit score through XXXX XXXX, which I do twice monthly. I found a negative mark on my Equifax report, a recent Chapter XXXX, dated XX/XX/XXXX. This is not mine, my son who is my junior did in fact file a chapter XXXX. I called and filed a dispute via phone with XXXX XXXX and XXXX that there was a problem and still as of today XX/XX/XXXX. that negative mark is still on my report and causing financial stress and harm.
In XX/XX/XXXX my mortgage co. sent an escrow analysis that forecasted my property taxes would be paid in full XXXX. I called them, they requested a copy of my property tax bill, which I sent. They sent another analysis that still planned to pay my taxes in full XXXX, thus not correcting the mistake. Tired of dealing with them, I just let it go, paid the additional {$120.00} monthly, and figured it would be resolved with this year 's escrow analysis. 
Fast forward to XX/XX/XXXX, I received a new analysis that plans to pay my property taxes in full XXXX times, with refund check attached {$850.00}. On or about XXXX I called their customer service line and the person I talked to said he saw the error, told me a new, corrected escrow analysis would be sent, and said I should not deposit the check I received, as a new XXXX would be issued ; I should receive it in 8 to 10 business days. As of today I have received nothing but a normal monthly statement. I checked online today and my next payment payable on XXXX XXXX is {$1200.00}, same as shown on the erroneous escrow analysis, and approximately {$270.00} more than it ought to be due to forecasting to overpay my property taxes by {$3300.00}.
Effective   XXXX    , my  Citibank Assist stu dent loan was transferred to  XXXX   XXXX . When I received my   XXXX   statement, my standard monthly payment had increased from {$17.00} with  Citibank to  {$50.00} with  XXXX . on  XX/XX/XXXX   , I inquired with  XXXX  as to why I was seeing such a significant increase in payment. On  X/XX/17   , I finally received an email response from  XXXX  at  XXXX  Customer Service advising me tha t Citibank has a {$ 50.00} payment minimum. At my prior servicer, they allowed payment to be decreased if I had other loans.  Citibank has  instructed  XXXX  to reimplement the {$50.00} minimum payment.     I do not recall receiving any notification regarding this change in business practice. In the past I had  two Citibank student loans, one of  which was sold to  XXXX  some years ago for servicing. I have always maintained payments under {$50.00} on both of these accounts. The  XXXX  loan is the higher payment loan and was not included in this change of servicer so I continue to maintain a {$33.00} payment with them. I feel this change is payment is forcing me to pay off my loa n 4-5x fa ster than the period of time I am allowed to make payment. I understand this practice will pay down principal and in the end I will pay less in interest, however this is a significant change to my payment that I now must budget for along with my federal student loans.     Can you advise if setting a minimum payment requirement such as this is allowed even if my calculated standard monthly payment was significantly less for the past 9 years?
I started he house buying process with this company and it was an absolute stress filled nightmare. the broker did n't explain things very clearly at all and neglected information at times. say one thing one week, then say something completely different the next. the broker, and loan processor were XXXX near impossible to reach when needed. also a lot of other people I asked about the way this company was doing things all told me that they were shady and not to be trusted or sounded like they were doing some unethical practices. in the end the deal fell thru because of how bad they were dragging their feet and stringing me along. I was also supposed to get me earnest deposit money back, but the kept that and told me they had to get paid somehow. the deal also fell thru and we lost a very nice home. im reporting them to anyone i can because they are a shady company that will steal your money. the company is CityWorth mortgage.
Transunion, I disputed XXXX as my XXXX account was paid in full. Two days later, their investigation was complete with " No Change ''. Quick response, I questioned if they even checked the account. I then called Transunion and disputed it again. Result, " No Change ''. So, I contacted XXXX & faxed a document to Transunion that showed two XXXX ) " If I did not pay in full, I would be subject to collections ''. 2 ) My balance with XXXX was {$1000.00}, this same document showed {$1000.00} was paid in full. Result, " No Change ''!!! I call Transunion asking what more can I do to get this issue corrected? They proceed to tell me that I should send in more documents! I asked, " What more is there to send in when I had already sent in the receipt showing this account was paid ''? He told me it was up to XXXX to correct this issue. I asked him " Why is it that whatever XXXX XXXX says, it 's the gospel truth ''? Where are my rights as a consumer? My XXXX account was paid in full. All my payments were paid to XXXX. Once again, I was told to send more documents in. I gave up at this point. This has kept me from refinancing my car to a lower interest rate. I am so frustrated!!! Thank you for your assistance. Sincerely, XXXX XXXX
We contacted our lender XXXX Mortgage in XX/XX/XXXX and told them I had been injured with a XXXX and was removed from the State of XXXX. Husband had lost his job and insurance due to having to leave a job in XXXX to come save my life in XXXX. XXXX XXXX XXXX diagnosed XXXX XXXX XXXX, due to my XXXX there was nothing else that they could do for me. On XX/XX/XXXX my husband brought me to XXXX XXXX where I could receive emergency treatment for Brain injury, neck injury and starvation. We were approved by the VA for a special circumstance approval for short sale. However they refused to provide the needed documentation in order to complete the sale. Instead they sold our loan to Freedom Mortgage Company and set the Auction for XX/XX/XXXX. We had another short sale buyer but could not get the needed and required documents from them either after repeated calls from us and our real estate agent. Our buyers were there for the auction however no one should up. I called them and was told it had been postponed for the short sale they would not cooperate in providing the documents. Auction rescheduled for XX/XX/XXXX. 
Legal notifications do not required the correct spelling of our names in the State of XXXX just the correct number. However to get the VA insured loan our documentation had to be complete and correct.
I received XXXX ( XXXX ) USBank Cash+ Bonus Rewards Cards in the mail some time ago, each valued at {$25.00}, for a total of {$75.00}. They were Visa cards. The first one has a " Valid Thru '' date of XX/XX/XXXX, the second XX/XX/XXXX, and the third XX/XX/XXXX. 

Apparently, though, these " Valid Thru '' dates are not the actual expiration dates on the card. Instead, USBank helped themselves to {$2.00} per month after 12 months had passed on each card. Even though the " Valid Thru '' dates on the fronts of the cards said XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in actuality, all three cards have been completely drained by USBank. 

This seems to me to be a deceptive business practice. A reasonable person would expect the " Valid Thru '' date on the front of the card to be the date the card expires. The cards themselves appear as a standard Visa credit or debit card, with the card number, the customer 's name, and the " Valid Thru '' date embossed and in silver on the front. 

I can give the XXXX credit card numbers ( and attendant CVVs ) on request.