WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX before my husband death had refinanced without me signing the note or the mortgage. In XX/XX/XXXX JP Morgan Chase foreclosed on my home. I paid about 75-80 % of the loan when JP Morgan said I defaulted on the loan. Doing a sheriffs sale JP Morgan was the only bidder and bought the note, and added court and other fees to the amount owed. I did not receive any money from the equity I paid in my home. The judge XXXX from the district court of XXXX county in XXXX Kansas. I believe XXXX colluded with JP Morgan Chase to steal the equity in my home, and give me nothing. XXXX stated in a motion that there was a conformation of sale and that all parties were satisfied. There never was a conformation of sale and then JP Morgan Chase assigned my title to XXXX, and the XXXX to filed eviction notice, and gave me 6 days to move out. While out of my home I got a motion in the mail of relief of stay. I had filed bankruptcy in XX/XX/XXXX, and XXXX filed the motion to ask the federal bankruptcy court to allow them to immediate evict me from my home, to sale, and depose all my furnishing. 
I believe JP Morgan Chase fraudulently used my signature from the first loan my husband and I signed when we first bought the this home. I believe JP Morgan Chase did not own the mortgage to my home, and I believe JP Morgan Chase committed racketeering, fraud, and stole the equity in my home. I am currently waiting eviction again. I want JP Morgan Chase investigated. Bankruptcy case Number XXXX, and Foreclosure case number XXXX both court are in XXXX Kansas.
In XXXX 2015, I was notified that due to my financial hardship, I was approved for a temporary modification per a trial period from Seterus. It was my understanding that in XXXX 2015 ; I would receive paperwork. If I agreed with the new terms of the loan modification I would sign off. I had called several times throughout the month with questions, such as, if I did not want or agree with the terms, if I could pay back what was owed to put my mortgage back up to date. Throughout that time Seterus representatives called me repeatedly, their purpose was to get me to sign the paper work. Finally on XXXX XXXX, 2015 in addition to the mortgage payment I paid over {$600.00} bringing me back up to date with the payments, I was also charged for bogus late assessment fees from XXXX and XXXX 2015 that I was unaware of, my postage indicates that the payments were sent out on time. None the less I made the payments with the understanding that I would n't be obligated to go through with a modification that only decreased my loan payment by {$130.00} and would have made me obligated to pay on a loan for an addition thirty years making an original 30 year mortgage, a 39 year mortgage payment despite that I had already contributed 9 years toward paying off debt on the mortgage. Also, it was my understanding that by paying the back payments that I would be up to date on my mortgage and all would go back to normal despite the fact that I would continue to suffer a financial hardship. On XXXX XXXX, 2015 despite the fact that the monies XXXX were withdrawn from my account, the mortgage company has stated that my credit is in jeopardy because the monies would be in suspension. This was not explained or my understanding when I begun the trial period modification. In summation I paid Seterus their money. Update my account. I am a struggling single mother with XXXX dependents. This entire ordeal is wrong, unethical, and I am being penalized for something out of my control that I was n't even aware could happen. Seterus is a predatory company that should be penalized for their unethical practices, policies, and procedures.
equifax still reporting several fraud account after numerous disputes filed with the credit report on accounts for XXXX {$1300.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX f {$330.00}
Hello, I 'm in the process of purchasing a home in NJ and reached out to PNC Mortgage to secure financing. The seller of the property had very strict requirements for our contract ( e.g. I had to deposit a {$10000.00} non-refundable deposit ) and so we were still in the process of negotiating. Before finalizing the purchase contract, I explained the situation to XXXX XXXX at PNC Mortgage and told him my only concern from a PNC perspective is whether or not the property would appraise at the purchase price. I understand he could not tell me definitively if it would or would not appraise at the time of the mortgage application but when I explained my concerns to him, I was told " based on my experience financing units in your building, I 'm XXXX certain it will appraise. '' I explained to XXXX that I could barely afford this property and that I could not afford to pay even {$1.00} out of pocket more at closing if the property did not appraise. But, having this statement reiterated and assured to me multiple times, made me finalize the contract under the terms of the seller. Soon after the contract was finalized, the PNC appraisal came in and it was {$50000.00} less than the purchase price. I am very upset by this outcome as I felt XXXX deceived me into believing it was " XXXX certain '' that the property would appraise at the purchase price. That said, b/c of the significant difference in appraised value, I was unable to pursue the home purchase and lost my {$10000.00} deposit which I would have never agreed to if it was n't for the " XXXX certain '' statement. PNC Mortgage persuaded me into believing something that was not true and b/c it was such a significant deviation from the expected appraisal, I believe they should take accountability for this negative outcome. Again, I lost {$10000.00} and it was due to a mortgage salesman trying to sell me a mortgage.
WELLS FARGO DEALER SERVICES  : The XXXX reported as past due is an error on Wells Fargo part. All excess liability was paid for by my GAP insurance coverage purchased from Wells Fargo, as confirmed by a document received by them in XX/XX/XXXX. ( 1 ) This has resulted in continued threatening action and misrepresenting the status of the debt which was paid in full in late XX/XX/XXXX. Reported as active collections on both XXXX and XXXX  for a total of XXXX and as a revolving account to XXXX, with a past due payment of XXXX. ( 2 ) Wells Fargo misrepresented the type of debt, causing the most harm to my report and score. This represents a lack of good faith effort to ( 3 ) Consistently report the same data to all bureaus ( 4 ) Affirms there was no review of my file in validating my debt to bureaus, disputed multiple times since XX/XX/XXXX ( 5 ) With the outcome of a detrimental mark on my credit report for years as a result of their error when my account was paid and closed in good standing over 4 years ago.
On XX/XX/XXXX, while I was sitting with my husband at XXXX XXXX in XXXX XXXX for him to turn in his vehicle and renew his lease, I was convinced to turn my lease in early for a new GMC that was not yet on the lot. After spending a significant amount of time there, I agreed and was provided with an estimated delivery date of my new vehicle of XX/XX/XXXX.

After numerous phone calls and emails, I was responsible for two lease payments, and didn't have possession of my new vehicle until XX/XX/XXXX.

As a result of dealer error and misinformation, my credit has been negatively affected, I was in the hospital for XXXX  ( I am a XXXX patient ) and I was ultimately provided with a vehicle that didn't have everything that it was supposed to have. I am still awaiting reimbursement for the XX/XX/XXXX payment and {$100.00} copay from my hospital copay that was promised to me.

I was also told 2 years free oil changes and was then provided with 2 free oil changes. The ultimate irony of the " 3 months free '' Satellite radio that it should have, it did not even come with the option for Satellite radio. Again, this is the LEAST of the issues, but just an another example of " bait and switch ''.

And now, I can't even receive a response from anyone!
This account are sent to the time of collection which I had no permanent residence, which I was working for XXXX XXXX XXXX. He had no stable residence and did not receive any material agency.
I tried to get my credit report and they did n't allow me to because I guess information was different then mine.
XXXX sent me a bill for a damaged pedestal that they claim was cut-off and removed by me. I have not had phone service for over 5 years and was not even aware the pedestal was on the property, however I am told it is out of the easement by my surveyor. The pedestal was apparently run over by an unknown party travelling on the road. It had not been maintained by XXXX and was not visible. I have no other information other than I contacted XXXX to report the damage and was told that I was not responsible as it was outside of the home ( anything from the home inside is my responsibility - wiring, etc. ) I was told they would take care of it. They did not and there was jagged metal from the metal box adjacent to my drive where I enter and exit the property. We placed the metal in the trash for removal. After that, the XXXX repair techs came and cut-off the lines ( I guess ) and filled the hole with dirt. I was then sent a bill in the mail for {$1600.00}. I responded with a letter explaining the circumstances and received no further correspondence until a bill collector from JNR Adjustment began calling my work phone and leaving messages. I have attempted to resolve this through XXXX directly and they told me I would have to PROVE I did not damage the property! How can that be the American justice system? Guilty until I can prove I am innocent?????? It is their equipment, abandoned and damaged and I am the easiest target? How about they be required to prove I DID damage it. Which they can not, because I did not. I think they should accept the responsibility for not maintaining their own equipment and stop harassing me. Please help.
RGL asscociates of XXXX, GA wo n't send me a " paid in full letter ''. I started paying my debt in an installment of {$100.00} starting earlier this year. However I needed a car loan, and this was showing up as a lien on my credit. So I decided to pay the remainder of {$300.00} in full XX/XX/XXXX. It 's been more than 3 weeks since I paid my debt in full, but still have n't received any kind of proof that shows that I am clear of this debt. Any bank I go to asks me to get the lien removed before they can accept my loan application. I have requested a paid in full letter 3 times already and they keep saying they will mail it the same day. I 've even offered to pay for a registered mail so to make sure I receive the letter and have to sign off. They are just giving me a run around everytime I contact them. They have however faxed me something that shows the amount I paid and shows that my balance is {$0.00}, but banks need more than that. I feel really helpless, I am in a dire need of a car loan. Please help!
Back in 2010, when I was busy with school, work, and volunteer activities, I was talked into signing up for a second credit card with Chase Bank, and told that this was a smart move to help build credit. I was told that this card came with overdraft protection to protect overdrafts from my checking account with the same institution. Meanwhile, I had my first credit card setup to pay the balance in full. In short, money was transferred from checking to clear the balance on the first card, and this pulled credit from the other card, which came with biannual fees and raising my interest rate from 19 % to 26 %. When I tried, numerous times over the years, to address this with Chase they ignored me, or diverted the issue. Interest rates are a function of risk. What is the risk to Chase when XXXX card is being paid off with their money? If a person did this, it would be check-kiting.
I have reviewed all three of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.     XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  There is numerous  XXXX  inquiries  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX    XXXX   XXXX
Dear CFPB, I am writing to you because im trying to purchase my home, its been such a nightmare dealing with Altisource/XXXX  because they are the listing agent, escrow office and the title company.
After my offer was accepted as being financed, i received a call from my agent telling me that a representative from Altisource/XXXX  ( XXXX XXXX ) called to let her knowthat my offer will be cancel because the purchase was not Cash.
So i called back XXXX and she never answer my calls, i requested for a manager and i spoke to XXXX XXXX who told me that it is not on the best interest of the seller to sell the home to me.
So i was so confused since her response did n't make any sense. i told XXXX XXXX that my offer since day 1 was a financed offer and it was not fair that after i had paid for home inspections and a home appraisals. Altisource/XXXX decided to cancel on me because it was not on the best interest to sell me the house.
Now as of today 3 weeks later i got a call from my loan officer telling me that another mortgage company called him asking to provide a copy of my appraisal that i paid for because the property is being sold to another buyer who is purchasing the house FHA.
I believe this is not right, i feel that Altisource/XXXX is discriminating me since they are trying to cancel my offer to give it another buyer after we had a signed contract showing that my offer was accepted as financed offer.
Please help this is not right for me and my family.
XXXX XXXX
The collection agency is reporting inaccuracies in the debt from my report due to the amount being different from what the original creditor is saying I owe. I have filed two disputes because of the inaccuracies.
Synchrony Bank continues to report an account I closed and paid in full back in  XXXX     1989. The y include a negative comment on the file and have been doing so for 28 years thus only serving vindictive purposes. The credit reporting agencies are no angels in this as they had the opportunity to tell their clien t ( th e bank ) that this dispute is too old to report -- instead they cower to their clients ' wishes and ignore the consumers. The credit agency did not investigate my dispute and simply followed the orders of their client. Note, the bank reports a  XXXX  balance that was paid in full in  XXXX   1989.
XXXX place a collection account on my equifax credit report this collection account is identity theft my police report number is XXXX
I want this off my credit report, I don't know who these people are, I never Finance nothing in my life
I was approved for a BP Credit card from XXXX XXXX ( Phone # XXXX ), website : mybpcreditcard.com, with a credit limit of {$500.00} in XXXX 2017. In XXXX 2017 with the exact same information on my credit report my credit limit was stepped down to {$110.00} which damaged my credit rating by escalating my debt ratio. I had a XXXX XXXX in late XX/XX/XXXX and just got home the fist week of XX/XX/XXXX and have been trying to get house work caught up and pay the bills that did not have auto pay already attached to the accounts. Why would you grant credit just to rescind it 30 days later. XXXX XXXX appears to be notorious for doing this and it makes no sense, nothing changed on my credit report from the time credit was granted 30 days prior. Yes, I had a XXXX XXXX, but I 'm still employed, still earn the same income at the same job. This is why they had to solicit me 4 times before I accepted the credit offer, because I had heard of this problem with XXXX XXXX. How many hard working families need to have their credit damaged by this bank.
Great Lakes student loans 3 x XXXX XXXX XXXX XXXX loans old old please remove from report trying on obtaining a home loan
Over the past 5 or more years we have requested that Navient work with our daughter ( a single mother  of XXXX ) and us ( co-signers who are retired ) to buy some time and reduce stress so our daughter could eventually be in a situation to make regular payments on her student loans. We have made several regular and partial payments over a long period of time and yet continue being harassed by Navient with phone calls and with refusal to work with our daughter.

When we do ( which is rare ) answer one of their calls and request repayment based on discretionary income basis, etc. we are denied any assistance and get hounded about making full and immediate payment.

Our daughter is working hard to support her family but does not make enough income to make full, or at times, partial payments. My wife and I are both retired and social security benefits are our primary source of income for paying our bills, etc. We are confident that with time, our daughter will be able to repay what she can as she can but, Navient doesn't seem willing to work with her or us. They are rude over the phone and unresponsive to written communication.
Equifax leaked my credit report and other personal information ( as reported by their website https : //www.equifaxsecurity2017.com/ ), along with that of 143 million other Americans. It is readily apparent that for such a significant breach to occur, Equifax does not take information security seriously enough. 

Other concerning aspects of this breach include the lack of timely disclosure by Equifax ( over 5 weeks )  and the above website reporting whether consumers were impacted by the leak that appears to yield random responses ( I visited the site several times and got alternating answers each time ). 

I contacted Equifax 's call center with my concerns about the leak and the website and was encouraged to sign up for fraud monitoring. This response does not address the root of the problem, that Equifax does not take my, and other Americans ', personal information and identity protectional seriously.
I signed up for a Citibank checking account promotion back in XX/XX/XXXX for {$400.00} promotional credit if you deposited $ XXXX and kept it in for 30 days and waited another 90 for payout. It has been more than 4 months since I deposited XXXX no payout was processed yet.I have been calling Citi bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I every time I was told that I have to wait 90 days to receive a bonus. Then I called on Saturday XX/XX/XXXX to the Citi Bank and I at that time customer service rep opened a dispute. Two days later I received a letter stating that I did n't meet bank 's requirements since I did n't deposit money in 30 days since I opened an account. Why no one told me that when I called on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. If I knew that I do n't qualify for that bonus I would just move my money to another bank instead of keeping my XXXX for free in Citi bank. Moreover, now bank stated that i had to deposit money 30 days since I opened account - what 30 days regular or business days. And in that letter Citi Bank is stating that I had to keep my money for 30 days so why I was told so many times that I have to wait 90 days. This is ridiculous. Bank is using people 's money to its own benefits.
My XXXX previous disputes as TransUnion has considered All of them as frivolous, even with documented proof of Idenity and noterized documents with certified Letters. To this date TransUnion have not provided me with a written Letter of proof that All reported information is actually mine, instead TransUnion is relying on a third party for second hand information, never producing written proof of any signed documents with my signature on it with in a 30 day period as stated by Law ( The Fair Credit Reporting Act, ) but refuses to Totally Delete All Unverified Credit information that is not mine. TransUnion isi llegal and fraudulant reporting practices is severly crippling and hurting my ability to obtain credit with potential creditors to purchase a car or house for my family. This is disgusting and totally unacceptable.
I was a partner with XXXX XXXX XXXX in XXXX, IL from XX/XX/XXXX to XX/XX/XXXX. In my buyout agreement I was released from all financial obligations. I have had other financial institutions contact me about other XXXX XXXX XXXX loans but they released me immediately when I provided them a copy of my buyout agreement. Chase Bank is still trying to hold me liable for two loans, one ending in XX/XX/XXXX and one ending in XX/XX/XXXX. The total amount is {$340000.00}. Please see my attached buyout agreement and late payment notifications. I would like Chase to provide documentation of my release and an assurance that this will not affect my credit score. 

Please feel free to contact me with any questions. 

Thanks
claiming that they a company called American Credit Resolutions and that they are going to arrest me if i do n't pay. 
I made the mistake of giving them my information. 
The original creditor : XXXX gave them {$200.00} i do n't think there legitXXXX XXXX XXXXAmerican Credit ResolutionsXXXX XXXX, Georgia XXXX is the new number
I have filed multiple disputes with TransUnion in regards to my XXXX home loan. It reports that I was late twice once for 30 and once for 120. It was a balloon loan where only the one payment could be reported as late It should be updated to one payment late of 120. They do not seem to review the dispute or the backup provided. I am requesting that this be rectified.
I made a loan with MyPayDayLoan.com. Shortly after making the loan, I was not able to repay the scheduled payments. I have a tax lien filed against me, and my pay has has been garnished. In the process of trying to make a repayment plan through a debt counseling company, they refuse to work with them. Meanwhile they call me numerous times per day and at least one email each day trying to collect. I have attached two of their most recent emails for your review. One, I consider to be threatening as they claimed to have reported my bad check to Contribution, a service of SCAN??? I never sent them a check in any form. My complaint is ... They refuse to work with XXXX XXXX XXXX to receive payments. XXXX is not a debt settlement company. I made arrangements with XXXX to repay the entire amount of the loan.
See CFB case XXXX, this is twice they have closed this with the same resolution. unable to contact us, funny guys Wells Fargo, I now have close to 60 letters from them and get at a minimum 2 calls a week from them, so you just take what they say for their word. 
All of this in 6 months, they last claimed they have only been working this since XX/XX/XXXX and I have letters from XX/XX/XXXX and XX/XX/XXXX from them on file, they are liars and you Consumer Protection Agency are taking their side on this, look they have given the same resolution to this twice XXXX .... 


I can provide you a detailed log on Call 's received and letters received from Wells Fargo, this should be XXXX ... 

Reopen case ... if you want the proof ask me ...
I called company XX/XX/XXXX received a notice about debt I never received a bill showing that it was my debt and when I ask for bill because I needed to verify that it was my account I was told it needed to be paid in full and I couldnt get a bill I needed to contact company.i was also advised that when I called back I needed to make a payment and they dont accept settlement amounts .the billing date was XX/XX/XXXX and debt just showed on report XX/XX/XXXX XX/XX/XXXX