WillisBack/dataset-financial-user-claim huggingface dataset:
It has taken almost 3 months for my IRA CD account at Discover Bank to be transferred to the Government Thrift Saving Plan. During this period I was assesed an Early Withdrawal penalty by the Bank. I disagree that what I did was early and that I made a withdrawal, so I believe no penalty should have been assesed. 1. Early - Section XXXX of Discover 's XXXX Account Agreement defines a list of terms. Early is not among the terms defined, so I had to settle for the definition of " early '' in XXXX. The dictionary defines early as " of, relating to, or occurring near the beginning of a period of time ... '' According to Discover 's web site, my CDs were opened between XXXX XXXX and XXXX XXXX ( 3 to 5 years ago ), rolled over more than once, and have each retained the same CD identification number assigned at the original purchase. In such a case, one would think the period from purchase until the latest rollover would be considered " early ''. After that rollover, we would be in the present eagerly anticipating the next ( future ) rollover. To characterize the current or next action upon something established years ago as early indicates confusion with the concept of past, present, and future and seems a misuse of the English language. 2. Withdrawal -. a. Below is a quote from Discover 's web site sales pitch for their IRA. Please note that when the funds are coming in it is labeled a transfer ( no mention of withdrawal ) " With a transfer your money is moved directly from one IRA to another. The funds are exchanged between the financial institutions without the consumer ever handling them. ". b. Later on, when I questioned the " early withdrawal penalty, '' I was informed by an IRA specialist, " Any funds removed from an account are considered a withdrawal, in this case it was a withdrawal done via Transfer. Thus, per the Deposit Account Agreement, the Early Withdrawal Penalty does apply, and can not be waived. '' Other than the message above, I can not find any other reference to " withdrawal done via Transfer '' in Discover 's literature or web site. In XXXX, above, Discover is quoted as stating that a transfer occurs between institutions, yet when I request a Transfer ( between institutions ) of the entire account, I am penalized for a withdrawal.. How can this be? c. Related to early withdrawal is the statement in Section XXXX ( Amendments, Account Changes and Notices, of Discover 's Deposit Account Agreement, " If you are unwilling to agree to such amendments, you have the right to close your Account prior to the changes taking effect, subject to any Early Withdrawal Penalties. '' As I was/am willing to agree to the amendments and requested the IRA transfer subsequent to the Discover changes, I should not be subject to any early withdrawal penalties and my money restored. 3. Penalty - As it has taken Discover from XXXX until the XXXX to transfer my IRA account, I believe Discover has demonstrated outstanding proficiency in the subject of " lateness/late ''. Unfortunately, I do not believe it has demonstrated any aptitude in " early '' that would qualify it to assign penalties.
The company in question stated that at the moment of final payment a certain amount was owed that I was not aware of. I received a late payment mark on my credit report. When I tried to resolve the issue by paying in full I requested for them to remove the late payment mark on my credit as well. The response I received from the company was that it was out of their department. I could still pay the payment and the company was willing to accept payment however they would not remove the late payment. At this point in time, the account has been paid in full but I still have late payment marks on my credit report.
I have been disputing this incorrect debt for months and, the verification of this debt has been malicious and false, I have been contacted by XXXX XXXX, they sent documents of the debt trying to verify this debt is mine, and the documents they sent has no signature and I want them to provide my signature verifying the debt is mine,
Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XXXX, I sent dispute letters to XXXX and XXXX  requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!
My mortgage loan was bought out by XXXX XXXX  prior to XXXX of XXXX from XXXX. XXXX XXXX  within a week of XXXX closing my loan, my credit score tanked by over 70 points. I waited and expected XXXX XXXX  to report my loan in good standing the following month, but this did NOT happen. With an abundance of caution, I mistakenly waited until early XXXX to verify one more time to see if my loan would be reflected in my XXXX credit score. Unfortunately, XXXX XXXX did not report my loan in good standing again. 

On XXXX XX/XX/XXXX I contacted XXXX XXXX  informing them of my concern and asking that they rectify the discrepancy. On XXXX XX/XX/XXXX I received a message from XXXX XXXX XXXX XXXX ( attached ) informing me that they will NOT take any action until early XX/XX/XXXX. I contacted XXXX XXXX  by phone on XXXX XX/XX/XXXX and after a length conversation with their " customer service '', they stated their policy of not reporting to credit bureaus for a period of 90 days is hard and fast and can not be changed. 

For personal reasons, I need a good credit score. XXXX XXXX  is unfairly preventing me from pursuing actions I need to take in my life because of their discriminatory policy of not reporting to credit bureaus in a timely manner. 

I did not ask for XXXX XXXX  to sell my mortgage to XXXX XXXX and I do NOT deserve to have a negative credit score/history as a result of this action. I expect XXXX XXXX   to rectify this reporting injustice and, necessarily on a case by case basis, report mortgages in good standing if so requested by the owner of the mortgage.
I want this account to be removed from XXXX closed account XXXX/XXXX/09 with XXXX balance.
We have a family run business. We own the building where we run our business. Our mortgage was bought by JPMorgan Chase. At the end of mortgage, JPMorgan Chase would not give us another loan. They told us to find a local bank. We applied to many banks for 2.5 yrs. No one would give us a mortgage because of the huge credit card debt related to our son 's illness. ( please read the letter we wrote them ) Chase is charging us {$100000.00} in excess interest and penalties and will not budge. Chase says they can get all what is owed in a foreclosure sale! No way. The property next to us was foreclosed on and just sold for XXXX % of what they say our property is worth! Our foundation is sinking! .We run the the risk of losing of business, our source of income. We have a XXXX child! Here are parts of our letter to Chase : " Debt is an iron chain tightly locked around your ankles, pulling you downstream as you try to swim against the current. The harder you paddle, the more you realize that you 're further downstream than when you began. I 'm not exactly sure who will be reading this letter. But whoever you are, I hope you are a human being. I hope you understand the amount of time, energy and grit it takes to fully dig your family out of a hole that it did not create. That 's who I am. And that 's what I 'm doing. 
I 'm writing on behalf of myself, my twin brother, and my parents. Our family operates XXXX. The main culprit holding our family back was a large amount of debt incurred in years past stemming mostly from my experience with a chronic illness. 
In 2010, as a XXXX in college, I was a driven student with plans to attend XXXX and a dream of becoming a XXXX. As life often gets in the way, my plans were cut short and my dream was stolen from me. I was diagnosed with XXXX. Maybe you know someone personally who suffers from the XXXX. Maybe you do n't. If you are n't familiar with it, XXXX. XXXX. XXXX. XXXX. It 's tough to write about this and you can imagine how embarrassing it is to discuss this in person with anyone, let alone a complete stranger. In any case, both XXXX are XXXX and involve a lifelong battle. On top of that, there is no known cure, and most of the treatments used to fight both XXXX can be quite expensive. What I 'm hoping is that you can appreciate just how much of a strain a XXXX like that can put on not only your physical or mental health but on your overall financial well being. 
XXXX. I had to make the hardest decision of my life as a XXXX year old to have XXXX. Four years later, the enormity of that decision continues to weigh heavily upon my shoulders each and every day. While the treatment is considered a cure for XXXX, a person 's life is forever altered by those XXXX ... ..,. I am here to once again personally inform you that we can not possibly afford to pay the extra {$100000.00} in extra charges. Our family does not have that kind of money lying around, nor do we consider it a fair amount to pay.
XXXX XXXX has made several charges to my card that were not authorized. Any attempts to speak with Barclay is met with a language barrier and is futile to exhaust these resources. 

I'm asking that this matter be handled immediately. 
XX/XX/XXXX : {$28.00} XX/XX/XXXX : {$96.00} XX/XX/XXXX : {$200.00} I made a purchase on XX/XX/XXXX " XXXX '' amd was required by XXXX to pay at the desk. At that time, they recorded my info and have charged me several times after my 3 day stay.
Ocwen/Homeward Residential continues to use fraudulent assignments of mortgage in legal actions. 

Thank you
On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for Equifax , XXXX , and XXXX They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted XXXX first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted Equifax, and had he same issues with them. I was unable to get in touch with a person. Next, I contacted XXXX, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.
I finally read the responses from nationstar, because I never had logged in before and had n't received any of the responses, by mail or email and had no idea any of this had happened. I have submitted a dispute, but have also found fraud in the note of loan rates and adjustments and pre-payment penalty. I have attached a copy with the highlighted forged signature.
Dual-tracking. XXXX started the home foreclosure process ( XX/XX/XXXX ) before reviewing/providing any information in regards to status of our loan modification or responding to my multiple attempts to contact them ; both by email and by telephone. When I was able to speak to an agent at XXXX on XX/XX/XXXX, I was told that our modification was received on XX/XX/XXXX was still pending review. When asked what 'pending review ' meant. I was rudely told " well ma'am, I 'm guessing it means no one has looked over it yet ''. On XX/XX/XXXX, I filed our first complaint with CFPB. On XX/XX/XXXX we received 4 letters ; 3 dated XX/XX/XXXX, each explaining that our loan modification was denied due to the information not being received by the deadline. The outlined deadline in the letter was XXXX/XXXX/XXXX which was the day the information was submitted to XXXX. The letter also stated that " in order to obtain more information regarding the denial decision '' I would need to send in a written request and " to discuss other foreclosure prevention programs, contact to discuss ''. The last letter was dated XX/XX/XXXX, stating they had received my inquiry ( a copy of the CFPB complaint ) and proposed a resolution date of XX/XX/XXXX was assigned. I called on XX/XX/XXXX twice and left messages for our contact ( which we have NEVER spoken to or heard from ) ; nothing was returned. On XX/XX/XXXX, I sent an email to the law firm handling our foreclosure outlining our concerns and challenges. On XX/XX/XXXX, I called XXXX again and I was able to speak to another rep who indicated WE WERE in compliance with the loan modification request ( the submitted date on our account was XX/XX/XXXX ) and that no further reason was listed for denial. She suggested I call the law firm who was handling the foreclosure. I called the law firm and spoke with the attorney working on our case. She informed me that none of our attempts at communication had been forwarded from XXXX and they had not heard from them since XX/XX/XXXX, even though we sent many notice of error emails, left voicemails, and sent an email to their HAMP Escalations Dept. in XX/XX/XXXX. The email the law firm received from me was sent to XXXX for review and a reply. XXXX has not sent a reply. We mailed a Notice of XXXX to XXXX on XXXX/XXXX/XXXX. We have yet to hear back. On XX/XX/XXXX our home set for auction. I called the county court house today and was told the file/listing was 'inactive '. I called XXXX and was told that no updated status on our home is listed. So I reached out to the law firm and within 10 min I was told that our home was auctioned and sold back to the bank. I am at a loss. We have a recently diagnosed terminally ill child which is a large contributor to our hardship and all we have been asking for this WHOLE time was for XXXX to allow us to pay the amount agreed upon/structure put in place by our original lender at the time of closing.
We have been trying to get a loan modification for the last 8 years. When Ditech asks for the information to process this ( bank statements, tax returns, paystubs, etc. ), and we submit them and confirm that they did indeed receive everything they need to complete the modification request, they send us a letter that we have not completed the requested paperwork. This exact same scenario has been going on for 8 years. The mortgage company for our home changed hands at least XXXX different times in 8 years. XXXX, XXXX, XXXX XXXX XXXX, Green Tree and the latest call to Ditech was made on XXXX/XXXX/15. The representative assured us the loan modification paperwork would arrive in 5-7 days. We had a XXXX way call with my husband and his real estate agent to confirm this in order to get more information on our options regarding selling the home. The real estate agent heard that we would receive it as well. We called 1 week later and the reprsentative with Ditech said that he never said that and denied even speaking with us. The representative thought our real estate agent was a lawyer. After several times explaining that he was NOT a lawyer but a real estate agent wanting to get a better understanding of our selling options, specifically short sale vs. foreclosure, he refused to discuss our case anymore. I called on XXXX/XXXX/15 @ XXXX to be exact. I believe all of the calls are recorded for " quality assurance ''. I called to follow up with this after again not receiving the loan modification paperwork, and the caller said she cant talk to me or she would lose her job and hung up on me. I called again to get more information because just a few weeks earlier they wanted to discuss this with us, and the caller, a different woman this time, hung up on me again. We have been very involved and wanting a resolution to our problem. We didnt walk away from our home, we continued to keep up with our home improvements, all we wanted was an opportunity to get a loan modification. There was NEVER any paperwork sent to us after confirmation after confirmation that they did receive all the loan modification paperwork they needed. I have written logs of everyone I spoke with, dates included, just to get a loan modification review. We were promised we would receive the paperwork, and over 8 years and have never received anything.
On XXXX XXXX, XXXX in The United States Bankruptcy Court of XXXX Massachusetts case # XXXX and under Chapter XXXX debt owed to " XXXX XXXX '' in the sum of {$820.00} was discharged. XXXX XXXX received a XXXX of Notice of this discharge on XXXX XXXX, XXXX and that is the only account I have ever had under my name and social security there after. 
On or about XXXX of XXXX I noticed a " Pinnacle Credit Services '' reporting on my credit reports that I owed them {$820.00}. When I called regarding this debt I was told it was for a XXXX XXXX account I had recently opened. After explaining to them that this debt was discharged and providing them the above information nothing was done to correct the issue. 
Instead I received harassing phone calls saying that they were taking me to court ( which never happened XXXX. They told me they were not responsible for removing or reporting information to the credit bureau 's and gave me numbers to Vision Financial at XXXX and XXXX XXXX XXXX at XXXX which I spoke with both who simply told me that XXXX was responsible for this. 
I have gone as far as to call XXXX XXXX 's corporate offices and they verified with me that the account I had with them was discharged through my bankruptcy in XXXX and that because of that they would not re-open an account for me under my social security without a large security deposit for 10 years! 
The way Pinnacle is reporting on all XXXX of my credit reports is that this debt is in collections and current and it has been damaging my credit for almost TWO YEARS. 
I am reporting them to the Attorney General as well and my next step will be to hire a personal attorney if you or they can not assist which I will expect Pinnacle to pay for. 
I would greatly appreciate your help as I have been working very hard at improving my credit. 
This company is awful and destroys people. 
Thank you
MY CREDIT HAS BEEN IN CONSUMER AFFAIRS DEPARTMENT WITH EQUIFAX SINCE 2009 THEY CLAIM THEY PROTECTING MY IDENTITY BUT THIS NOT ONLY EFFECTING ME BUT IT IS EFFECTING MY FAMILY I CANT PURCHASE A HOME BECAUSE THERE ARE ACCOUNTS ON MY CREDIT FROM IDENTITY THEFT. I HAVE PROOF OF THE ACCOUNTS PREVIOUS BEING DELETED ALSO IT IS EFFECTING ME WITH IRS BECAUSE THEY HAVE BUSINESSES REPORTING INCOME THAT I HAVE NO CLUE WHO THEY ARE FROM AND IT IS SPILLING OVER FROM MY CREDIT TO IRS.
My name is XXXX XXXX. I am now XXXX and retired. I have been paying on a 7.375 % interest from Bank America Home Loans since XX/XX/XXXX almost XXXX years. When interest loans were lowered to 3 and 4 percent, I started applying for a modification to reduce interest. 
I have been engaged in doing this for the past XXXX years. With the help of XXXX XXXX of XXXX State Assemblywoman XXXX XXXX office we have filled and submitted over XXXX applications for this. 
At first I was told while I was still XXXX that my income was too high. After I retired XXXX XXXX acting as Third Party have submitted al least XXXX more applications which involved bank statements for 3 months ; periods, letters from the college and reduced income supporting hardship -- all without success. This frustrating process required submission of appplications to always changing consumer relations associatte. This means that after submitting the ; package to that associate. another person would take over the next time : one in XXXX, another in XXXX, still another in XXXX. 
The only act of mercy I received was the acceptance of monthly escrow payment which I paid faithfully. 
After the month of XX/XX/XXXX had begun, I received a note from Bank American Home Loan informing me that my loan had been changed toXXXX Mortgage ... In dealing with XXXX the monthly payment is still exhorbitant and the interest still at XXXX which means there was deception all along -- or fraud. 
I choose as my title persecution of seniors, a descriptive title that used in a communication to the Commissioner of Currency which supervises banks. Bank America exists because tax payer monies bailed them out of the crisis it has been shown that they also helped perpetrate. 
I am submitting my story to broadcast my claim that I am being treated unjustly. 
i will be forwarding to you a copy of my letter to XXXX XXXX of Commissioner of Currency whose institution has done nothing. 
I am presently working with XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Third Party. 
I can not just give up even in this unjust situation which is aimed to cast me out of my residence and my major asset. 
I am an XXXX great grandmother. Lowered interest and modification process were intended to render justice to ordinary Americans but the way it is handled causes plunder the old highway robbery system. The XXXX 2 weeks ago listed income of executives in seven figures why the poor are defrauded. 
I am trusting that you are a honorable American who is committed to do right. Righteousness will keep blessing America. XXXX. XXXX XXXX XXXX XXXX XXXX email : XXXXXXXXXXXX.
I have submitted to transunion about incorrect information on my credit report and have not received information on how they verified the account. I have attached XXXX certified request from secretary of state and i have no liens placed against my name for the said account listed on my credit report that the credit bureau verified and remain. They are in violation of the fcra for not properly verifying these accounts. I have attached a re- investigation letter for their review.