WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to get answers, explanations and resolution on my extremely TRID defiant home loan since I closed on XX/XX/2016. I did previously submit a complaint and XXXX XXXX, attorney for Chemical Bank responded to me via email, that although he knows NOTHING about TRID, RESPA/TILA or their rules that regulate mortgages, he believes the bank has done nothing wrong. 
I ca n't find anything right about my loan. There is nothing consistent about anything on either the LE or CD, along with their choosing to ignore forms they had me sign, from a Construction Loan Agreement for the construction rider, to an Affidavit of Occupancy which forced me to live in my home without basic items such as toilets, lights, sinks, faucets, cabinets, counters or a safe electrical system due to their refusal to disburse funds from my construction rider and although the XXXX claims to have dispersed the funds to them. Why would a buyer have to sign one to occupy in 60 days if this was a construction loan from the ground up??? 
Chemical Bank 's emails to me clearly indicate that they will do nothing to right this extremely WRONG situation without outside assistance. I have shown my closing docs to several title companies, lenders and Realtors with decades of experience who 've all said they 've never seen anything like it. Although the LE says I was to bring no money to close, the CD said I had to bring almost {$28000.00}. There is major inconsistency in the interest rates, purchase price, estimated payment vs bank statements, I received the CD the afternoon prior to closing at XXXX the next day. None of the docs show my XXXX % downpayment although the docs clearly state mine to be a conventional loan. I could keep going but am hoping and praying that the CFBP steps in for me just seeing what I 've attached and/or talking with Chemical Bank to personally hear that they are not willing to do anything to correct this. I 've asked them to cancel the " construction portion '' of my loan, which I showed them TRID allows me to do since they have not given me even a penny from it. They refused. I asked if they would convert the " construction loan '' to a " home equity loan '' because the " construction '' is basically complete, thus a " construction loan no longer needed. Again, I was denied. And again, I see the only way for Chemical Bank to comply to TRID regulations and my loan made to be even sane, is to have the CFBP step in. Thanks in advance for any and all help you can give.
Wells Fargo Home Mortgage sold my mortgage to XXXX XXXX aka XXXX in XXXX. When Wells Fargo Home Mortgage sold the mortgage to XXXX aka XXXX, there was an assignment of mortgage that mysteriously appeared in the county records. The mortgage was never assigned to Wells Fargo Home Mortgage. The assignment of mortgage that appeared was allegedly executed on XXXX/XXXX/XXXX and alleges that XXXX was the assignor and XXXX. was the assignee. This document was not recorded in the XXXX County records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX. The document was recorded by XXXX XXXX XXXX and prepared by a known robo-signer and false document mill by the name of XXXX XXXX. The document states that it should be returned to XXXX XXXX XXXX after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to Wells Fargo ( XXXX ) and the other belongs to XXXX ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for XXXX XXXX XXXX. At the time this document was prepared and signed, XXXX, had in fact been defunct for 2 years. XXXX merged and became XXXX for name purposes only in XXXX. When the assignment was executed, the loan was with Wells Fargo and there was never an assignment of mortgage made from XXXX to Wells Fargo. When this document was recorded, XXXX fully purchased the loan from Wells Fargo. This assignment of mortgage is a fabricated document. Wells Fargo admits there was a purchase made of my mortgage by XXXX but is refusing to provide me with any documentation. Wells Fargo Home Mortgage is stating the information I am requesting is confidential, privileged and or proprietary information of Wells Fargo. In the state of Florida this is a public record and as such, was supposed to be recorded in the county records. According to Wells Fargo Home Mortgages own records, this loan was " paid in full '' in XXXX. There are XXXX DIFFERENT companies involved on XXXX assignment of mortgage. It is extremely clear that this is not a valid document.
A mortgage financial company is providing refinance funds to refinance my property at XXXX XXXX XXXX, XXXX, NY. Select Portfolio Servicing ( SPS ) has been offered a {$850000.00} short payoff amount. The principal owed is only {$680000.00}. The additional amount represents additional fees and interest. 

I, as well as my authorized representatives, have been negotiating with SPS. They are often put on hold by the SPS representative and nobody returns on the line an hour later. Two months later, I do not have a response from SPS. The last time I spoke with a representative on Tuesday, XX/XX/2018, she said that I did not include the date under my signature in a Hardship Letter that I had provided ( the letter was dated XX/XX/2018 ). Even though the top of the had the date, I printed out a copy and, included the current date under my name. The SPS representative said I would hear back in 24 to 48 hours. It has been a week now and I have not heard anything. 

SPS is putting me in a position that I may lose my property because the bankruptcy judge does not believe I am trying to resolve this issue with SPS. I will have to escalate this action to a legal one.
After a mishap by my Property Insurance Agent who mistakenly did not report to my lender a copy of a valid Insurance binder as proof of my home owner 's insurance coverage, a force placed insurance was applied to my mortgage loan. The forced placed caused an escrow shortage which the servicer attempted to cure by increasing my monthly mortgage payment amount. This new mortgage payment amount proved to be a hardship to me which caused me to fall behind on my mortgage payments. After some months of trying to request a correction of the error. I was offer a Forbearance Plan by Kondaur Capital Corporation. However, in their effort to assist they made a fatal error that may cause me to lose my home. Attached is the letter written and dated XXXX XXXX, 2014 offering the Forbearance Agreement and the executed Forbearance Agreement. The problem is that the agreement directed for the commencement of the agreement initial payment to be paid by XXXX XXXX, 2014. This was a fatal flaw in the agreement. It provided only two ( 2 ) days. The letter was not received by the borrower thru the XXXX mail until the XXXX of XXXX, 2014. Nevertheless, the Borrower XXXX XXXX signed the agreement and mailed all XXXX of the required payments dated XXXX XXXX, 2014 to Kondaur Capital Corporation in advance in good faith ( proof is attached ). The Borrower subsequently received notice from Kondaur Capital Corporation that the Forbearance Agreement was cancelled because she paid the amount due after the required date of XXXX XXXX, 2014 as per the agreement. Months and months of trying to get someone at Kondaur Capital Corporation to acknowledge and correct their error went unanswered. To further exasperate this matter, Kondaur Capital Corportion refused to return the XXXX XXXX XXXX XXXX payments. Kondaur has since refued to work with me to correct their error and began foreclosure proceedings. To make matters worst, they transferred my the servicing and rights to my mortgage to XXXX XXXX XXXX XXXX in XXXX Florida. This new entity will not negotiate with me, will not cooperate to bring my mortgage current. In fact, XXXX XXXX XXXX XXXX is a XXXX real estate investment company whos objective is to accertain non-performing loans in the hopes of foreclosing on dismayed homeowners and reselling their homes at a higher profit. They make no bones about what they are doing. When you call their office at XXXX, they answer the phone inquiring " what property are you interested in purchasing and would you like a showing ''.
After a short sale on our home, a XXXX XXXX home equity loan was not forgiven. Though I tried to settle, I never received a response from XXXX XXXX. A couple of months ago, I called XXXX XXXX and was casually informed that XXXX XXXX decided to mark the loan settled in full and the balance owed is {$0.00}. However, they could not send me anything in writing confirming same. In addition, although the item is now reported as " closed '' on XXXX and XXXX, on my experian credit report it remains open, as if there is an open balance. I asked wells to fix it and they have not. I disputed the item with experian, and after an investigation was performed, the item was not changed, and remains as an open balance. This item on my experian credit report is not allowing me to get approved for a mortgage. I feel I have done all I can, but am hitting road blocks in every direction. I feel XXXX XXXX should have correctly reported this home equity line of credit as closed.
Experian is telling me VIA letters in some form of language what a hard inquiry is.. Finally I get told that it's not there " job '' to investigate hard credit inquiries.. I'm a consumer and I heard it was there job to enforce FCRA.. I'm getting frustrated with the lack of care and I'm tired of hearing that everything is ran by a machine and automatically verified carelessly.. It is there job to verify and validate everything on my credit report.
On XX/XX/2018 I disputed missing information on my XXXX credit report. I did a disputed with Caliber Home Loans the following is missing on the closed account " Recent Payment Amount '' there should be a pay off amount of {$100000.00} it just shows a simple line. When i disputed this with XXXX  it came back as remains on XX/XX/2018 this account is showing up as a negative item on my credit report. Because of this I've been turned down for a auto loan. If Caliber homes can not fix the missing information on my XXXX credit report im asking for this account to be deleted from all 3 Credit Reports XXXX, XXXX, and XXXX XXXX.
I received a receipt from XXXX on which more than XXXX digits of my credit card on it. I believe this violates MD CodeXXXX XXXX.
To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again XXXX and their XXXX score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document XXXX states my XXXX score is 0, which is outside of the acceptable ranges ). To resolve this situation, I would like XXXX and XXXX  to immediately remedy their system problems so that my XXXX score is not shown as 0, send a copy of the credit report and XXXX score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the XXXX XXXX score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a XXXX score of 0 being given to financial institutions that are unable to process a 0 score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my XXXX score was presented as 0, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.
We were verbally denied for XXXX. After requesting information regarding the denial over the phone we were told that any request for information would not be granted unless it was written request. We have since made several written requests regarding our XXXX denial, the status of the modification and mistakes we found on our loan in XXXX 2016. We never received any information we requested or any corrections to the mistakes on our loan. We have followed up those written requests with other letters that have also been left unanswered since XXXX 2016 - it is now XXXX 2016. Our mortgage servicer via telephone says it can not answer the questions that we have asked and we have to wait for written answers to our inquiries even if we are well outside the allotted 60 business days they say we should receive our answers in.
Collins Asset Group has been sending info to someone with my same name. They sent her a certified letter XXXX/XXXX/XXXX and she tracked me down and sent me a copy of it. 
The letter claims that I owe XXXX XXXX XXXX for 2nd mortgage taken out in XXXX. That mortgage was paid off when I refinanced with XXXX XXXX so STOP TRYING TO SCAM PEOPLE! 

Even if it was owed - they are outside of the statute of limitations on collecting on a written contract! BUT IT 'S NOT OWED! I do n't even own that house and have n't in 7 years. 


Reference # on letter XXXX Collins Asset Group LLC XXXX XXXX XXXX XXXX, TX XXXX
I have a Chase total Business checking account as well as the Chase Premier checking account. There had been a lot of struggle for Chase to unify the customer profile and still the issue was not fully resolved. Ideally Chase should not outsource the IT jobs and hire some good quality ( not cheap ) IT folks here to fix these kind of trivial issues.

Due to all these challenges - I decided to close both of my accounts. Prior to that - I transferred the money out of my accounts. Also sent an email via Chase secure message center to close my account.

Rather than closing my total Business checking account - Chase keep on saying - come to the branch to close the account etc ... and further put a {$12.00} fees as monthly maintenance fees ( yes, of course when somebody wants to close the account due to poor customer experience they will take out all the money and then close the account ).
To Whomsoever It May Concern, I am seeking assistance through CFPB to help resolve an issue with Chase bank regarding my credit card account with a limit of {$8000.00}. This credit card debt has been a financial burden to me and is taking a toll on my health as I 've been struggling to pay the monthly due and have not reduced the balance since granted. 
My first credit card was issued by Chase in XXXX with a limit of {$1000.00}. I was then a college student with a part-time job, making only $ XXXX/hour. One day in XX/XX/XXXX, I went to a Chase branch to pay off my balance. The teller told me that I may qualify for a new credit card with a higher limit and was referred to a personal banker. The personal banker updated my information directly through the computer entering my salary as {$90000.00} and approved me a new card with a limit of {$8000.00}. No new card application was filled out. 
Being young and ignorant, I accepted the {$8000.00} offer. I did not realize the kind of situation I was putting myself into at that time, as I had minimal experience with credit cards. 
I believe the personal banker inflated my salary so she can back up the credit increase of {$8000.00} to increase her production, though I was not technically eligible for such a high credit limit. 
I was informed by concerned persons in the banking industry that under Regulation Z - Truth-In-Lending Act, enhanced by The Credit Card Act of XX/XX/XXXX, that it is the responsibility of the credit card issuer to consider the consumer 's ability to pay when issuing a credit card or increasing credit limits. I believe the personal banker acted irresponsibly and put me in this predicament. I believe she violated Reg Z. 
I contacted Chase Credit Services during XXXX XXXX and requested to charge off the balance due to financial hardship. Their response was to settle only XXXX % of the total balance which is still not affordable considering all of my total current obligations and living expenses. 
I am seeking CFPB agency 's assistance for a resolution of my credit card balance with Chase Bank. 
Thank you in advance for your time and consideration to my request. 

Respectfully submitted, XXXX XXXX
XXXX needs to be held accountable! 

I was notified by XXXX ( a collection company ) on XX/XX/XXXX that I had a delinquent XXXX account that had been submitted to them for collection. I immediately reached out to XXXX to discuss the case. I advised them that this was identity theft as the service address was Indiana, and I am a Delaware resident. I have never been to Indiana, let alone started cable service in that state. The perpetrator had used my social security number, previous mailing address and maiden name. XXXX had extended this person credit despite there being a fraud alert on ALL 3 CREDIT BUREAU REPORTS. XXXX requested a Fraud Claim Form be completed. The claim form was submitted, to include a police report. On XX/XX/XXXX a letter was received from XXXX stating that all collections attempts would cease, and all information submitted to the credit reporting agencies would be removed. I was also assured that my SSN had been alerted to avoid any new accounts to be opened. No additional correspondence was received. 

On XX/XX/XXXX I was notified by XXXX XXXX that I had a new collection account on my XXXX report, regarding XXXX service,  submitted to XXXX XXXX XXXX. I reached out to ERC and spoke with XXXX, I confirmed that this was the SAME XXXX account that had been sent to the other collection agency ( XXXX ). I reached out to XXXX twice but both times was directed to someone that spoke broken XXXX and was neither willing or interested in addressing my concerns. XXXX should not have extended credit with my fraud alerts having been placed, and are now using ANOTHER collection agency to collect a debt I do not owe. I submitted all of the requested documentation, yet they continue to harass. My credit score has dropped 18 point because of this! XXXX should be held accountable for allowing an account to be opened with an active fraud alert in place AND for sending the account to not 1, but 2 collection agencies!
Equifax sent an email X/X/17 that the results of my dispute were available for viewing online but every time I try to view it the system is down for maintenance. It has been this way for days. Furthermore I am unable to submit a new dispute or check the status of an existing one online.
I was reviewing my credit history with an advisor and seem to have a hard inquiry from a company that i've never heard of or been affiliated with. The company pulled my information on XX/XX/2017. The company is XXXX  in XXXX, FL XXXX. Phone line is ( XXXX ) XXXX-XXXX. Upon further investigation in my records, this is fraudulent activity.
I was called by this company 7 times before XXXX I called the number back and asked them to stop calling me and they still called back 4 more times, totaling 11 calls in 1 day, all before XXXX I feel that this is harassment. I called back a 2nd time and was told that whoever I spoke with the first time should have taken me off their list and did not.
XX/XX/XXXX - XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. 
XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. 
XX/XX/XXXX I called XXXX and asked the XXXX employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to XXXX to their XXXX AZ address. XXXX received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus. 
I called XXXX and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. 
XXXX did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with Equifax ; and filed disputes with XXXX and XXXX  and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the XXXX account as being PAID IN FULL/SATISFACTORY.
I applied for Citibank checking account on XXXX XXXX 2016. Since that point of time I got some emails to send the driver 's license, utility bills, address proof etc..all of this was provided to them on XXXX XXXX 2016. I got some information about my account # and routing # also ... .got my debit card also ... but till now I am not able to login to my account online. I can not even use my account. I believe more than 2 weeks is too much a time to have this kind of access? There is absolutely no chat support available and no email address where i can ask them to provide this access ... i tried calling them once and chatting with them about this issue but no success after 2 weeks also.
I sent certified mail to Experian, XXXX and XXXX to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).
I am a victim of identity theft. My personal information was compromised and a fraudulent account was opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached the Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent account. For yet another last time, the following account is fraudulent : AMERICAN HONDA FINAN, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.
The response to my last complaint on cfpb was sent. by XXXX, to my home. Included were copies of my past interactions with them, as well as XXXX other peoples information! Caliber account numbers, names and addresses. It makes me wonder why has MY information in their hands. I can not believe that XXXX is so lax with the handling of peoples lives.
I have disputed the referenced account numerous times involving debt validation and violations of my rights as it relates to the FCRA. In  XXXX  and  XXXX  of  2017, I dis puted this referenced account. As several times before, the creditor removes the negative item. However, I received an alert from  XXXX  which reflects the item was re-inserted to my   XXXX   credit reports  XXXX  on  XXXX   XXXX  , 2017 witho ut notifying me.     Please assist in my request to have  XXXX  and/or the creditor remove the negative item reporting from my credit report. I have attached supporting documents for your review.