WillisBack/dataset-financial-user-claim huggingface dataset:
to whom it may concern, I filed a complaint three weeks ago against Chase Mortgage because I couldn't refinance my house and use the HARP program because I was told that chase use the HARP program a XX/XX/2015 they wrote me back tell me they did nothing with my loan in XX/XX/2015 I research this further I went to XXXX County here in Colorado the county that I reside in and found out that in XX/XX/2015 they sent information to the county on selling my loan which I was never notified of I was never told about and it was so to WaMu so I'm guessing that somewhere along the line they use the HARP program here to do something anyway the XXXX program doesn't go into the county records but the fact of the matter is they lied to you and they lie to me said they did nothing with my loan in XX/XX/2015 and it is registered in the government State Office of recording that they did do something with my loan I want to know what they did and why I wasn't told about it. I was told i could not use the harp program from another bank because it was used in XX/XX/2015 by chase but they say they did nothing which is not true.
I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and XXXX XXXX made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from XXXX XXXX is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time XXXX  tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.
I submitted an application for  XXXX  discharge with Nelnet. I have been calling them for the last 3 months, and nothing has moved on my application. I have been told that my application has been archived and has to be rebuilt. I do not believe this. I believe that  Nelnet  is purposely delaying my application because it has merit.
I had a lease vehicle through Ally Financial. Once the vehicle was turned in, I was charged for damages that I felt were inappropriate. After several appeals within Ally were unsuccessful, I sought outside mediation services. Once Ally was contacted by the mediator, I received a call from them offering me a settlement if I cancelled mediation. I accepted their offer in order to put the matter to rest. However, what was not disclosed to me during that phone call was that they were not waiving the remaining portion of the disputed amount, but were going to report it as forgiven debt to the credit bureau. This was never disclosed to me, nor was it ever mentioned that accepting this offer could adversely affect my credit score. When I called them after learning that my credit score dropped, they said that the only thing they could do would be to re-open the account and report it as paid in full if I sent them the rest of the disputed amount. I believe that this type of bait-and-switch tactic is both fraudulent and unethical. I would never have cancelled mediation services had they disclosed all of the terms of their offer to me at the time it was made.
Hello, I would like to issue a complaint regarding a claim from the agency , Road Runner Collection Services. XX/XX/XXXX, I purchased a vehicle, and when my credit check was ran XXXX outstanding balance from XXXX XXXX showed up. Nothing else was on the radar. Then in XX/XX/XXXX, I downloaded an app from XXXX XXXX, when I did this, I was notified that I had XXXX lines of credit that were past due. XXXX of those lines of credit were linked to Road Runner Collection Services. When the claim was brought to my attention I contacted Road Runner Collection Services regarding the debt they believed I owed. They insisted that they were collecting on a supposed five year old debt for XXXX XXXX XXXX. During our conversation the collection agency insisted they had given me a 30 day notice, which they had not. Following our conversation I received a letter in the mail ( on XX/XX/XXXX ) that offered a very rough outline for the debt they believe I owed. The statement history outlined a large interest sum of {$1500.00} for a {$2600.00} debt. The debt was outlined in XXXX amounts with the interest added to the end. However, NO timeline was included ; the " creditor '' history did not state when they had begun collecting interest, or when they had assumed the debt from XXXX. When I talked to the collection agency, they said that the large interest sum was a result of a 10 % interest rate, but no timeline was provided to prove how long they had been collecting interest. When I asked about payment plans, the person I talked to insisted that I could not make payments. She also said I had to pay the debt immediately, " borrow money from a bank, friend, or family member. '' Then she saw that I had a credit card, and began to demand that I, " just give them the credit card '' for them to charge. I tried to discuss other payment options to reduce interest, and was told that if I paid for the debt " in full '' as a lump sum, they would remove the debt from my credit score. They also said that if I paid for the debt ( without interest ) by charging it to a credit card, they would accept that, but the debt would remain listed on my credit score. When I asked for a copy of validation, regarding my debt with XXXX, I was sent a copy of XXXX transactions that state a remaining balance. However, upon receiving the collection claim, I reached out to XXXX to investigate the validity of the claims. I was provided with a thorough account for the services I received in XX/XX/XXXX-XX/XX/XXXX. According to records, regarding my payment transaction history with XXXX, my charge history states a balance of {$0.00} for my procedures. After being informed that I had paid for my services in full, records do indicated that XXXX did in fact overlook some financial fees. However, since these fees had been overlooked for an extended period of time, they resolved to absolve the fees. To this day, records show that I do not have an outstanding balance with them, and when I spoke to them they stated that records show no attempts for collections made on behalf of XXXX.
I am in the process of rebuilding my credit and recently pulled my credit reports from XXXX, XXXX, and XXXX  and noticed a debt that I believe that I do not owe. The company attempting to collect the debt is Portfolio Recovery. I do not believe that I owe this company or the original creditor which is XXXX XXXX. On XX/XX/XXXX I sent Portfolio Recovery a debt validation letter requesting " validation '' as opposed to " verification. '' I have attached the response that was sent to me on XX/XX/XXXX. It is my opinion that what they sent me was not " validation ''. The company failed to send me an original contract between me and the original creditor, all they sent me was a statement and a letter from the original creditor that states that the debt had been transferred to their company.
Hi, I have a mark saying 90 days late from XX/XX/2011, which I disputed with XXXX on XX/XX/2011. 
It was a weird situation, I was offshore traveling on XXXX, and the country closed all XXXX XXXX services, XXXX, banks transfers. 
I called in advance to XXXX and they told me not to worry, that they were going to put an extension. 
A few month later I saw my creditscore going down, they told me it was a mistake and they were going to fix it. 
7 years after I'm still seeing it!
This was a tax lien that has been paid and released. Documents were sent to all XXXX reporting agencies of the release of the lien, but the derogatory remark is still on my credit report, and Transunion XXXX refuse to remove it, after countless attempts on my part to have them do so.
I have been disputing this company for months and frankly very very tired. Now I am trying to get a rental home and pay $ XXXX/month instead of {$2000.00} / month to live in a hotel room. I request that you please immediately delete and/or update immediately the incorrect balances as Equifax is defaming my name.
This debt was cancelled by Barclays Bank last year. I reported it to you and the Bank removed it from my credit report. It is an extremely old debt and over the time to collect. Now they have turned it over to another collection agency to harass me. The debt collector calls and speaks derogatory to me and intimidating me to pay this bill that does not exist. Baraclay should be aware of this tactic and get rid of this debt since this issue has been resolved.
On XX/XX/XXXX, Transunion responded to my CFPB complaint # XXXX stating that they called the credit grantor and verified two account that are inaccurately reporting on my Transunion credit report : 1. XXXX # XXXX 2. XXXX XXXX  # XXXX On XX/XX/2018, XXXX responded to my CFPB complaint # XXXX regarding the exact same accounts. They also called XXXX and XXXX XXXX and informed them of my dispute. As a result of XXXX  thorough and complete investigation, the above-mentioned accounts could not be verified, and have been removed from my credit report. Its quite clear that Transunion is not doing a thorough and complete investigation, which Im sure, is a violation of the FCRA.

Transunion has had more than enough time to conduct their investigation, and Im still waiting for the evidence proving that these accounts are mine, or that I have the liability, responsibility or ownership of the above-mentioned. 


Transunion need to delete the accounts now. 

I have attached XXXX  response to my CFPB complaint and their investigation results dated XX/XX/XXXX confirmation # XXXX
I have been a JP Morgan Chase Bank customer for almost 10 years and have Private Client status. On XX/XX/XXXX, a Saturday, I was checking my online account information and discovered that Chase had closed all 4 of my credit cards. I accessed the notes/statements section of my account and there was nothing there to tell me why this had happened. I went to my local Chase branch and the manager tried to help me. She called someone in Chase and was told the organizational component that closed the account was closed until Monday. This left me with an entire weekend of being frustrated. After 4 hours of phone calls on Monday and being passed around to various Chase staffers nobody could tell me what happened. On Thursday, XX/XX/XXXX, I finally received 4 letters for each of the accounts closed. Each letter stated the accounts were closed because of " Number of Credit Card Accounts '' and " Account Not Used as Intended. The letter want on to say this decision was based on negative information in my XXXX  report. I called XXXX  and they said everything was fine. My credit score was XXXX. I know credit cards are a privilege and not a right, and Chase did not have to provide prior notice of closure. However, they lied about XXXX  info and never did tell me why all 4 credit cards were closed. The only specific statement they made was one credit card had too many authorized users. Chase could not cite a specific rule or regulation I violated. This was an arbitrary and capricious treatment of a long time customer who had always paid his credit card bills on time and had several repaid loans with Chase. I used to work for XXXX ... even XXXX gives advance notice of bad news to a taxpayer. The bank 's right to cancel credit cards without notice is a blatant abuse of authority in my case. I was never warned there was an issue with adding authorized users.
XXXX XXXX XXXX XXXX SOLD MMY ACCOUNT THAT WAS LISTED ON THE FTC I.D . THEFT REPORT FROM XXXX IN VIOLATION OF THE DODD-FRANK ACT-XXXX.
I obtained a roll to perm loan from XXXX XXXX XXXX. The construction period loan was closed on XX/XX/XXXX. Despite the construction being incomplete, XXXX XXXX XXXX   requested me to sign a loan modification known as a Roll to Perm. This loan closed on in XX/XX/XXXX. I objected to payments, which were to be made from the funds not yet disbursed from the construction loan. Nevertheless, I made payments on a time basis to XXXX XXXX XXXX   XXXX. In XX/XX/XXXX, XXXX failed and FDIC took over the banks assets. FDIC assigned the note, mortgage, etc. to XXXX XXXX. However, I have recently learned that XXXX claims to own the roll to perm loan dated XX/XX/XXXX. This makes me wonder who was receiving my monthly payments. XXXX XXXX subsequently transferred the loan to Ocwen, who then transferred the loan to XXXX, who then declared a default in the mortgage and filed a foreclosure against me. Most recently XXXX assigned the mortgage to XXXX XXXX as trustee of some trust. Long story short, no where did I receive notification of any assignment from XXXX XXXX XXXX to XXXX. Had I know XXXX was the holder or owner of my note, I would have requested the loan to be redone as I suffered major XXXX XXXX and am XXXX  ever since. Is it possible for the someone to confirm who is the holder or owner of my note.?
My original dispute was sent certified mail to Experian on XXXX XXXX, 2016 ( Report Number XXXX ). 
Experian responded within 30 days verifying certain items. Based on that investigation I sent another letter on XXXX/XXXX/2016 requesting the Method of Verification ( MOV ) for the items that was verified. 
Experian on XXXX XXXX, 2016 failed to provide myself, the consumer with documents, addressing the exact procedures they used in the investigation to ascertain the items as verified. My intended purpose of this is to know if Experian contacted the furnisher of debt directly, or used a third party ( if so who? ) and what documents was used to verify items as accurate. According to FCRA Section 611 ( a ) ( 7 ) that governs the request for MOV, Experian had 15 days to respond. They failed to deliver a proper response within allowable time. Experian 's inaction and non-compliance in this matter is inexcusable, and their disregard for the law is contemptible. 
On XXXX XXXX, 2016, I notified Experian of my intent to file a complaint, if they did not delete and remove all the disputed items as pursuant to FCRA 611 ( 15 U.S.C. 1681I ). 
Note : Experian has circumvented and abused the legal system, by responding to every letter I sent, regardless as to the content, as a new claim to reset the clock.
Our bankruptcy  was discharged  in   XXXX     which included a mortgage on a home. Original holder was  XXXX , which was bi=ought by    XXXX   XXXX   XXXX     XXXX   then s pun off to various other entities. We are dealing with Ditech Financial LLC. We have advised them numerous times over the past 7 years that the property was foreclosed upon by the property management firm,  XXXX  of  XXXX   XXXX , Florida. The house was sold by them.  <P/> We constantly receive mailings and phone calls from persons who do not give their names a t Ditech. We explain what ha ppened, are promised that the file will be closed, but they STILL send notices and call us. They say they are not attempting to collect, however, they are looking for a payment in excess of {$150000.00}!  <P/> We do not want to take the step of retaining an attorney and suing for harassment, etc., but what other recourse do they leave us?  <P/>  The Ditech ac count number referenced is  XXXX
My account with GM has a XXXX balance and is paid off as of XXXX. Due to the was its being reported it is hurting my credit score greatly. It was opened in XXXX and was offered a settlement to pay the vehicle off in XXXX and accepted it.
A company has been withdrawing money from my checking account. I am not familiar with this company and called them asking them to stop withdrawing money from my account. They agreed to stop, but they continued doing so. I notified the bank ( HSBC Bank ) and had to fill out some forms with them under perjury of law. The problem continued and I went back to the bank and complained again and was asked to fill out the same forms that I fill out the first time. each time this company took money out of my checking account I was charged " with overdraft '' protection, since little to no money was in my checking account. The bank continued to let this company take money out of my checking account and charge my with " over draft '' protection. The bank now, present day ( XXXX XXXX 2016 ), claims to have sent me my new debit/atm card. I can not take money out of my checking account without my atm card. The bank claims that they sent me a new atm card, but I have not received it. I called the bank and they said that they will send me another card, which I still have not received. I do receive from the bank notices and statements, but still no debit/atm card. I filed a complaint with the post office in case the problem is there and now I filing a complaint with the bureau of Consumer Financial Protection. I would like this problem resolved.
I have been requesting an inquiry deletion off my Equifax credit report by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, Indiana XXXX. I submitted a dispute via telephone at XXXX on XX/XX/2018 due to an unauthorized inquiry by this company and an agent by Equifax stated that they could not remove the inquiry but the company itself had to submit documentation requesting the inquiry removal off my credit report even if it was not authorized. I contacted the company XXXX XXXX at XXXX XX/XX/2018 and they said that they could not submit anything to Equifax to remove the unauthorized inquiry and its solely up to Equifax discretion. I called Equifax right back and told them what was told to me and an agent said they would investigate the issue during the dispute process however, a few days later I received a letter stating by Equifax that the dispute has been investigated and they could not remove the unauthorized inquiry and indeed XXXX XXXX will have to. Both companys refuse to do anything about this issue and stating its up to the other one to remove the unauthorized inquiry. I told Equifax via telephone XX/XX/2018 at XXXX there should not have been this unauthorized inquiry allowed seeing as though I placed a freeze and fraud alert on my credit report on XX/XX/2018 which was processed a month and a half PRIOR to this inquiry due to identity theft. Please Help!!
I make my student loan payments every month with no problems. I'm grossly misinformed as to what Nelnet is doing with my student loans. One day Im told I qualify for a payment thats manageable and then the next Im told Im on a payment plan that the payments go up after a certain amount of time because Nelnet thinks Im making more money each year. So I file paperwork that shows the XXXX XXXX XXXX I work for still pays me the same if not less than what I made 4 years ago. So Nelnet decides to not only go ahead and increase my payments and also not tell me about the increase. Then they harass me with emails and phone calls telling me Im past due and refuse to fix it and bring my student loans up to date. They are threatening my credit, they are threatening my stellar repayment record. Nelnet needs to get their head out their XXXX.
On XX/XX/2018 At XXXX I received a voicemail from XXXX Havet Management systems regarding a debt that was owed to XXXX XXXX. I contacted the company and spoke with XXXX and advised him that on XX/XX/2018 I had filed chapter XXXX bankruptcy and that this debt was included in the case. I provided the representative with the case # XXXX, and the representative continued to try to collect on this debt. When I advised him that he was in violation of the bankruptcy laws once given this information ; the representative continued. I ask to speak with his supervisor and also advised him that upon given the bankruptcy information calls and collections must stop. 

XX/XX/2018 at XXXX ; I received another voicemail from Havet Management systems that was and automated message, so I called the company again and advised that calls are to be stopped, and Spoke again with XXXX and was advised that was automated system. 

XX/XX/2018 at XXXX XXXX ; I again received another voicemail from Havet Management company regarding the same debt for XXXX XXXX, and again spoke with XXXX. I advised him once again that they were violating FDCPA, Bankruptcy, and other laws since they were given the bankruptcy information and I informed them if the calls continued I would contact the Bankruptcy court, and file a complaint. 

XX/XX/2018 at XXXX XXXX  : I received another voicemail from Havet Management system   from representative XXXX. I returned the call and advised XXXX that I had already provided the information regarding the Bankruptcy information and that there are to be no more calls. The representative stated that there were no records of this information, and that he would look into it and ask if he could call me back. I advised him that he could not call me back that the information was already given, and he could check that Bankruptcy court. I received another voicemail on XX/XX/2018 at XXXX. 

XX/XX/2018 at XXXX XXXX, XXXX XXXX, and XXXX XXXX I have received voicemails from XXXX again asking to return call regarding this debt. This has now become harassment and I want this company stopped
This dedbt was previosly disputed and should have been removed, since this entity is still pursueing this fraudulent matter i do intend to seek Litigation to resolve this matter.
US Bank charges a late fee when I make a monthly payment on time because it is beyond XXXX CST rather than the end of the day. The disclosure is n't shown until submit payment is selected.
Fay Servicing XXXX XXXX CA XXXX XXXX Fay Servicing claims they cant tell us anything about any generic part of the short sale process at all until we have an authorization on file. ( refusing to tell us what is needed for a short sale package until we are authorized on the file. ) It has taken 2 months for Fay Servicing to tell us which authorization they wanted. And now, they are trying to do a deed-in-lieu. A deed-in-lieu can not be done on this home and we have already told Fay Servicing this. Their previous servicer, XXXX, attempted a deed-in-lieu, forced the homeowner to leave the home, illegally, when they did not have the legal right to force an eviction, AND they could not do a deed-in-lieu because there is a 2nd XXXX. 

It is obvious this is nothing more than a con to scam the investor out of servicing fees.
There is a collections account on my transunion credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.
My mortgage terms have changed from what was originally agreed upon. The lender has added Pmi which previously did n't exist and inflated my rate substantially. My loan was signed in XX/XX/2015 and has increased 300 $ a month that in no way aligns with my taxes in the area. The mortgage company will not give me straight answers or even give me payment coupons. Please help!