WillisBack/dataset-financial-user-claim huggingface dataset:
CHASE BANK BILLING AND TRANSACTIONAL CONTRADICTIONS : AS NOTED BY CONSENT ORDERS WITH CFPB UNFAIR DECEPTIVE ACTS OR PRACTICES POLICY FILE NO XXXX AND FILE NO XXXX A XXXX BALANCE ACCOUNT : XX/XX/XXXX CHASE BANK STATEMENT XX/XX/XXXX THRU XX/XX/XXXX, BALANCE {$0.00} TRANSACTION ON XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF XX/XX/XXXX CHASE BANK BRANCH BALANCE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, BRANCH XXXX CHASE BALANCE INQUIRY AT CHASE BANK BRANCH ACCOUNT NUMBER ENDING XXXX  BALANCE {$0.00} WITH RECEIPT A {$39.00} BALANCE ACCOUNT : XX/XX/XXXX LETTER FROM CHASE BANK THERE IS A BALANCE DUE PAID CERTIFIED MAIL XX/XX/XXXX, BALANCE WAS XXXX. WE STILL HAVENT RECEIVED PAYMENT FOR YOUR PAST DUE BALANCE OF {$39.00} PLEASE SEND US YOUR PAYMENT AS SOON AS POSSIBLE. FIRST AND ONLY LETTER RECEIVED CONCERNING A BALANCE?

45 DAYS LATER YOU RECEIVE A BILL FOR THE CHARGE OFF AS IT IS NOW A BALANCE ON A CLOSED ACCOUNT. THE ACCOUNT IS CLOSED. CHASE REOPENS THE ACCOUNT TO ADD OR CREATE A BALANCE AND THEN BILL IT AS DELINQUENT OR NEGATIVE CREDIT REPORTING?

HOW OR WHY WOULD, THAT HAPPEN?

CREDIT REPORTING CONTRADICTIONS : 4 CHASE LETTERS REGARDING XXXX XXXX XXXX REPORTING AND IT STILL IS NOT REMOVED, HOW LONG DOES IT TAKE FOR CHASE WHO HAS A BUSINESS RELATIONSHIP WITH XXXX   TO SEND A DIGITAL TRANSMISSION TO REMOVE THE REPORTING THAT YOU FURNISHED?

IT DOES NOT TAKE 30 DAYS AND IT DEFINITELY DOES NOT TAKE 7 MONTHS PLUS.

CHASE TAKES ADVERSE ACTION WITHOUT INFORMING THE INDIVIDUAL THAT YOU DID REPORT IT TO XXXX AND YOU REPORT INFORMATION THAT YOU CAN NOT VALIDATE? XXXX  IS SPECIFICALLY FOR FRAUDULENTLY CLOSED ACCOUNTS OR ACCOUNTS CLOSED WITH A BALANCE IN COLLECTIONS ONLY.

CHASE STATES IN YOUR LETTERS WE ASKED XXXX TO REMOVE YOUR NEGATIVE ACCOUNT STATUS YOU MAY CONTACT XXXX XXXX XXXX TO DISCUSS THE REMOVAL OF THE NEGATIVE REPORTING CHASE STATES IN YOUR LETTERS THERE IS AN ACCOUNT CLOSURE CLOSED REPORTED TO THE XXXX XXXX XXXX ( XXXX ) WE HAVE SENT A REQUEST TO REMOVE THIS STATUS AS WE ARE UNABLE TO VALIDATE THE ACCURACY OF THE REPORTING YOU REPORTED, YOU ASSUME RESPONSIBILITY TO REMOVE IT, YOU ASSUME RESPONSIBILITY TO CONFIRM IT HAS BEEN REMOVED IN WRITING TO THE INDIVIDUAL.

XX/XX/XXXX CHASE LETTER XX/XX/XXXX CHASE LETTER XX/XX/XXXX CHASE LETTER XX/XX/XXXX CHASE LETTER
pUT ME IN COLLECTIONS WITH bAY cREDIT, AFTER REPEATED ATTEMPTS TO GET PROOF IT WAS MINE.tHIS WAS FOR XXXX AND & I HAVE NEVER BEEN ON XXXX.WROTE THEM NUMEROUS LETTERS, SENT THEM PROOF AND THEY REFUSED, STILL PUTTING IT ON MY REPORT.
I had an account go to collections fall of XX/XX/XXXX. I made arrangements w/ the collection company and paid the account in full. XXXX XXXX the collection company reported to the credit bureaus that the account was paid and it was removed from my credit reports. Now, the account has re-appeared on my credit reports showing the account in collections. I do not have any accounts in collections even though my reports show that I do.
I received a bill from XXXX XXXXXXXX XXXX from a XXXX in XX/XX/XXXX in  the amount of {$850.00} dated XX/XX/XXXX. I made the payment a day late in the mail but I sent them {$100.00}. I never got a bill after that not one. I thought the insurance company had picked up the remaining. <P/>I then started to receive phone calls onXX/XX/XXXX from XXXX XXXX with IQMS, LLC stating that I owe {$750.00}? I was trying to explain to her that I do not owe {$750.00}, I owe {$650.00} now because I sent a payment in already and why was in collections? I did not skip out on the bill? She said if I had read the bill correctly from the Dr. 's office, bill states that services are due at the time rendered and that they do not send statements out showing my remaining balance from the one payment??. She then stated that I can set up payment arrangements or I will be sent to the " investigation department ''. I told her Ok, how much? She said that it would be {$200.00} something but that offer only stands till the end of the day. I did not have {$200.00} and something that I can send {$100.00}. She then got really cruel and just threatening me that I will go to the " investigation '' dept. once again. <P/>I have been sending {$100.00} to this IQMS company for the last 3 months now, cashiers checks because I will NOT give them any information on me because she refused to send me an updated letter showing the correct amount. The first cashier check I sent was on XX/XX/XXXX for {$100.00} and it was cashed on XX/XX/XXXX, 2nd check was sent on XX/XX/XXXX and cashed on the XX/XX/XXXX. My 3rd check is going out today XX/XX/XXXX. I called XXXX on XX/XX/XXXX before I sent the letter asking if I could get a statement showing the correct balance and her was basically no. Since I refused to set-up payments she could not send one. That is incorrect. I did n't refuse to set-up payments, I just told her that I could n't due the {$200.00} something. Each time I send payment to iQuantified Management Services, I copy the old statement she sent me and cross out the date and the amount to place the correct amoutn and date I am sending my payment in. <P/>I received a letter from XXXX XXXX and amount shows {$750.00} that I still owe and in capital letters tells me that if the account is not paid in full by XXXX XXXX XXXXey exercise their right to refer my account to an attorney and report as paid credit. <P/>For {$550.00}, go ahead and report, I will dispute. And my account will be paid in full by the time they get a lawyer here in AZ. All I have been asking for from XXXX is a statement showing my remaining balance and she advised no, since I did not set up payment arrangements. <P/>Now they have been cashing my cashier checks and I do not get a statement?? Tell me this is right? All I want is the threats to stop and an updated statement showing my correct balance. My account will be paid in full in XX/XX/XXXX which I  have explained to her every month I send money with a letter attached to it.
Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX  Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX
I recently received a copy of my credit report and noticed an unrecognized account from XXXX XXXX. After several attempts to speak with them, I found out that this loan was taken out using my information in XX/XX/XXXX for an address in Illinois. I have lived in Michigan since XX/XX/XXXX. I did not obtain this loan and have tried several times to have this information removed. XXXX XXXX has subsequently changed the information after I called them to my current address and contact phone number and will deny my disputes with the credit bureau because they have my current address. I have attempted several times to have them send me the information on the account with no such luck. They always take down my phone number but have YET to attempt to call me back. After doing more investigation, I found out that the branch where this loan was taken out had several employees commit fraud using other people information without their knowledge. I also found out that XXXX XXXX knew of this issue, but they still refuse to correct the credit of those affected. This is causing me a severe hardship and needs to be corrected IMMEDIATELY!!!
On XX/XX/2018 I sent my brother XXXX XXXX {$1400.00} through XXXX a third party. My little brother almost immediately received an email from TD Bank which I have attached which stated the money could not be transferred and was being sent bank to XXXX XXXX at XXXX  XXXX XXXX. Obviously, when he told me about the email immediately checked my bank and noticed the {$1400.00} was not put bank in my bank. Immediately after, I called my bank, XXXX  XXXX XXXX who said the transaction was failed and the money would be posted back in my account because that is what happens when a XXXX transaction FAILS. If the transaction was completed and it went into another account there is absolutely nothing they can do BUT that was not the case. After almost a week I called back and they told me that they have no idea what happened and I would have to file a claim which takes somewhere from 5 - 60 BUSINESS DAYS. Several days later I received a letter from the bank saying the claim has been completed and that the {$1400.00} was put into the wrong account at TD Bank. They stated that TD Bank would have to ask the customer/client for the funds back who received the funds. They said TD reached out to customer and customer declined to release those fund which is the craziest thing I have ever heard in my life. I decided I would call in every day until it was resolved. I know all calls are recorded and every time I called XXXX  XXXX XXXX told me something different. The 2nd time I called in they said TD bank reached out to the customer and never received a response. Keep in mind I was laid off from my job during the time period so that {$1400.00} was vital to my life. I called in once again to XXXX where they escalated the call. They had the XXXX  analyst reach out to the TD analyst who was handling this specific claim who told my XXXX analyst who was handling the claim that they have the {$1400.00} and they would give XXXX  no more more information regarding this. XXXX  XXXX XXXX told me to file a law suite against TD Bank. Again all calls are recorded and to me not only did they steal {$1400.00} but it caused me to move and late payments on all my loan and much much more.
Navient has been manipulating my payments so that it only applies payments to the accrued interest, and nothing to the principal, making it impossible to pay off.
This complaint pertains to a previously made complaint case number : XXXX filed on XXXX XXXX, 2016. Today I have been trying to access the response on your website because the account has been disabled. During this past week I had a phone conversation with your office during which time they read the response offered by Ditech. I submitted an answer to their response on the following grounds : 1. their answer did address the money over and above my regular monthly payment which was paid over the course of approximately one year to reduce the principle. 2. my son, who has a XXXX became involved after multiple calls to Ditech to address our concerns was not satisfied. We were constantly shuffled around and told we would receive a call from a " supervisor ' that never happened. My son was able to procure an exel spreadsheet not shared with us before. My son and my wife both heard the ditch employee state that it looked like " the account numbers had been reworked numerous times and it did n't look normal ''. We are in possession of this exel document. There was {$7700.00} in " suspended balance '' that was never applied to the principal as intended. This amount suddenly disappeared in our most current statements. They answered that the money was reapplied to the principal. the principal on our statements has clearly not reflected this money. At the very least, they have forced us to pay interest on an inflated principal. Please note that if we are not addressing this with the correct department, we would appreciate a direction in which to go. Ditech will not meet with us because they say " they have done away with personal meetings ''. They have told us a supervisor would contact us in 6-10 days on at least 2 different occasions and now 6 weeks later, we are still waiting for the call.
I 'm in a high interest only loan with Bank of America and I am in the process of refinancing. When we called for a payoff they had late fees and inspection fees and a random fee of XXXX . I have sent in all bank statements to prove none of the fees are correct. XXXX XXXX said if I could get here my bank statements faxed to her she would take care of it by XXXX on XXXX/XXXX/2016 as I needed the payoff to close on my refinance. That never happened and I never received a return phone call as she promised and she will not answer my phone calls, So every time I call I get a different person who ca n't help and have put over 50 hours on the phone with them. My refi did n't happen and still has n't happened due to them not resolving this issue. They also reported me 30 days late for XXXX claiming I did n't pay XXXX. So now that is affecting me from being able to refi. I produced a letter asking that to be removed. In the meantime it 's causing a hardship to be held in the loan. This loan has increased and I can not afford it.
Form letter received for undisclosed debt for {$19000.00} to be reduced to only {$6000.00} if I contact by phone by XX/XX/XXXX. Letter arrived with no address on envelope or letter. Today I received call and voice mail on my cell and my alternate phone number harassing me to contact asap or legal action will be taken.
I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points, which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime.
I purchased my home  XXXX  of  XXXX  for  XXXX . Due to my divorce in  XXXX  I discovered my ex wife did not make mortgage payments for 6 months. I filed a Chapter  XXXX  and caught up with my mortgage payments. Within the last 9 years my mortgage payment never been 30 days late. A few months back I asked  Keybank for a payment history since the life of the loan. Keybank charged me {$30.00} which is illegal! I recently asked KeyBank for a payoff of my home. Keybank sent me a payoff of approximately {$77000.00}! My problem is this, in 18 years of paying Keybank o nly {$3000.00} was applied to my home loan!! This is considered  Predatory Lending in the State  of Ohio. My payoff is {$37000.0 0}!! Keybank also refuses to acknowledge my excellent payment history with all   XXXX   credit reporting agencies. I am enclosing all proof to my claim against Keybank.
This complaint is lodge against Wells Fargo for refusing to review the file that was submitted by XXXX XXXX XXXX  that i have retained to represent me regarding home modification, Wells Fargo intentionally denied, obstructed, and mislead pertaining to modification application that was submitted, i was informed by XXXX XXXX XXXX that Wells Fargo will not review the modification file nor stop foreclosure sale because its less then thirty-seven days from foreclosure sale which is XXXX XXXX, myself and the law Firm attempted to reach out to executive department without any recourse, This modification was initiated resulting from hardship from Auto collision on XXXX XXXX, please see attachments regarding chronological events ... ..since the beginning we have been trying to save our home from foreclosure since XXXX, I have lost significant time on my job because of my wife 's auto accident, that resulted in lost mortgage payments and falling severely behind we have been trying to get modification for three years. Wells Fargo appears to be driven to put a family out on the streets, i ask this noble institution to rescind foreclosure sale and modification to proceed.
Got a call from a company called Radiant cash stating a loan was taken out in my name XX/XX/XXXX. These funds was deposit into an XXXX XXXX account which has been closed since XX/XX/XXXX.
My husband and I purchased XXXX properties for use as a warehouse and a showroom for his flooring company in XX/XX/XXXX A few months after purchasing the second property, the recession occurred which resulted in the company going into default with the mortgage payment. The lender is M and T Bank. An attorney who we had hired to advise on the matter, advised us to sell the properties by short sale as this would resolve the issue with the amount owed to the bank. We sent a copy of the short sale documents to the attorney and he advised us to proceed with the short sales. In XX/XX/XXXX we began receiving notices from M and T Bank stating we were owing approximately {$180000.00} which we have not been able to pay as I 'm the only working .As a result M and T has placed a judgement against us with the intent of selling our home.
Greetings, I will keep it concise as possible. I 'm a XXXX from XXXX College based in XXXX, MA and Wells Fargo Education financial Services is XXXX of my private student loan lenders. I have been underemployed since graduation and they are aware of this though I have always maintained my payments until just recently where I am falling behind because of my multiple other loans, my gov't payments increasing, plus rising cost of basic living expense. I have tried for many years to either consolidate or refinance my loan with them but even despite a time when I had good credit and good payment history, they declined me because of my other student debt. Now I can accept if they are not willing to do that as they are a private company and its their discretion, however, as indicated on my attached statement, I strongly object to the XXXX monthly late fees I am being charged for struggling to make my payments which now add up to {$60.00} not including past fees. 

I feel something needs to be done. I have done everything I possibly can to keep up with payments, I still live with parents, sold my car for a cheaper XXXX, limit how much I eat and considering the interest I have paid WF total and the fact they have no refinance options for XXXX these fees are unacceptable and wrong.
American Education Service ( aka AES ) is the current servicer for my private student loans from XXXX University & XXXX University. I contacted them in regards to obtaining a lower monthly payment amount due to having a reduction in hours at my current job and also to have my due date aligned to the XXXX of every month. I have provided documentation to support my monthly income and expenses, yet they refuse to work with me and will only offer a temporary 3 month deferrment. I suggested a permanent option of reducing my monthly payment from {$700.00} to {$350.00} per month, which they still refused. At this rate, that I am going default will be the eventual outcome,
I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX X/XX/17 to dispute inaccurate infomation on my credit report and they signed for letter X/XX/17 at XXXX XXXX. I have 3 date stamped credit reports on X/XX/17 day 31 from XXXX, XXXX and Experian which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter X/XX/17 that they signed for XXXX XXXX,2017 at XXXX XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if  need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.
Lost my job, Veros credit seized the car, sold at an auction. For eight months they are charging me as if I still possed the car. Reporting each month to my credit report. I receives threathing calls from them daily. They also threatens to send letters to my employer.
i was called about a {$60.00} credit card dept and was told i need to pay {$1000.00} i told them i dont owe your company anything my dept is with XXXX XXXX XXXX she then gave me addtiuted and would not let me talk and was hurassing me to pay the debt now or futher action would be required and she kept asking for my personal information i told her no she got even more threatning with additude