WillisBack/dataset-financial-user-claim huggingface dataset:
I had purchased a home back in XXXX XXXX and XXXX XXXX XXXX had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing process. XXXX XXXX XXXX did agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up XXXX XXXX XXXX transferred the mortgage to XXXX Mortgage. My attorney had tried to complete the short sale but XXXX would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from XXXX and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from XXXX payment history etc, and they will not respond.
I have a ton of automobile inquires ranging from XX/XX/XXXX -XX/XX/XXXX and one mortgage inquiry in XX/XX/XXXX that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( Transunion, XXXX, and XXXX ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of Transunion told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different XXXX having to
Alpine and the original debtor have been told repeatedly that this debt is NOT mine. It has been removed from other reports except XXXX. I demand Immediate removal or litigation will follow.
Chase Bank continues to practice unfair, deceptive, abusive acts and business practices by failing to comply with Regulation X. 

Chase Bank sent a Request for Mortgage Assistance form dated XXXX XXXX, 2016 that was received from XXXX on XXXX/XXXX/2016. The Request form was forwarded to my attorney. 
The letter stated that the forms needed to be returned by XXXX XXXX, 2016. ( 39 days prior to a foreclosure sale ) Regulation X requires servicers to maintain policies and procedures reasonably designed to achieve specific objectives that include : providing timely and accurate information ; properly evaluating loss mitigation applications ; facilitating oversight of and compliance by service providers ; and facilitating transfer of information during servicing transfers. 12 CFR 1024.38 ( a ), ( b ). 

Chase failed to provide accurate and timely information and documents in compliance with the servicing rules that provide a borrower with accurate and timely information and documents in response to the borrower 's requests for information with respect to the borrower 's mortgage loan. 

Chase continues to abuse their customers by keeping them in the dark about available options to avoid foreclosures. Chase delivered the forms and requested the return of the documents on XXXX XXXX, less than 45 days before the foreclosure sale to avoid notifying the borrower that a loss mitigation application was received and proceed with a foreclosure sale on XXXX XXXX, 2016. 

Servicing rules now require that if a servicer receives a loss mitigation application 45 days or more before a foreclosure sale, it must notify the borrower in writing within five days to acknowledge receipt of the application and whether it is complete or incomplete.
To whom it may concern, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/2017 I sent XXXX finance in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/2017 they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with XXXX, TransUnion and XXXX but the credit dispute has not removed the information from my credit report.
Creditor has been unable to provide proof of application proving account belongs to me. Account has appears twice on 2 credit bureaus.
I have a Discover credit card where I want to pay the full balance each month on the due date to avoid any interest charges. In order to not forget to make a payment, I want to set up a reoccurring draft on the due date. Discover only provides options to pay the minimum amount due or " other amount '' on the due date. If you want to pay the full balance amount, you have to draft the payment 10 days before the closing date which is 10 days earlier than the statement due date. If I want to change the draft date to correspond to the statement due date, I have to wait 90 days and then call a representative to have them change it. If they can change it in 90 days, why ca n't it be an option upon enrollment? All my other creditor or service companies allow me to set up reoccurring drafts on the actual due date. The date of the draft also varies from month to month which is very hard to budget. It seems like Discover is trying to increase the potential to earn NSF fees and late charges. By not allowing reoccurring drafts for the full amount on the due date, people are likely to incur NSF charges if they do n't know when the draft will occur or could potentially forget to schedule a one-time draft on the due date incurring late charges. It should be the customer 's right to set up a reoccurring payment in full on the contractual due date.
XXXX XXXX XXXX, for the last two years my account has always been paid on time no late payment or issues on my end. However, XXXX XXXX XXXX, has closed my account inadvertently creating a problem on my credit reports an account as being stolen, when all I asked for was a replacement card. Now XXXX XXXX XXXX, after reporting my identity was stolen and used and being a victim of identity theft they immediately dropped my limit from {$4000.00} to {$360.00} creating a credit usage of 98 % literally overnight. I had to move all my accounts to another bank and waiting for my direct deposit to be transitioned. I asked for more time and they now keep repeatedly contacting me on a auto dialer. MY CREDIT REPORTS will reflect changes for a few months as I resolve the identity theft as other banks change out my cards and account information.
My account was approve for Forbearance from  XXXX   XXXX    XXXX  .  Navient  reported late payments for this time frame. I provided the proof that my forbearance was approve but they refuse to update my credit report accordingly.
Franklin collection claims I have a debt with them when I have not done any type of with them or any one associated with them. balance. I asked them in writing to provide me with proof of this debt but they did not respond or provide any evidence. By not replying to me in a timely manner to my initial letter on XX/XX/18, they have not only violated federal and state laws, but you have also failedto provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Therefor they should immediately request that this erroneous debt be deleted by all credit reporting agencies or I will be forced to this wrong doing to the attorney general, the XXXX XXXX XXXX, and finally I will file a small claims case where they will have to report court to defend themselves at my local court. Be aware I have been keeping a close record or all correspondence should they keep breaking the law.
On XX/XX/2018 I mailed a letter disputing a debt collection that was inarticulacy file on my behalf upon review of my credit report I notice that I had a derogatory mark file by a company that I did not do business with in the amount of {$830.00} the company name is Eos Cca. I sent them a letter over a month ago and I still haven't got a response back addressing the false information.
I took out an equity line of credit from Bank of America to pay off ( 5 )  countrywide existing loans, which in turn paid them off in full from my main home which had no loan. The loan was {$350000.00} equity line of credit. It was very easy 11 years ago. The loan agreement was that after the 10 year term the loan would be converted to a new 30 year fixed loan. THIS did not happen and now the payment have increased to a 15 year variable loan. which in turn have increased my payment from {$800.00} per month to {$2700.00} per month. This was a scam by Bank Of America. They have refused me a new modified loan as they originally mentioned. I need to either find a new loan and join the class action lawsuit or file my own lawsuit against Bank Of America. They also have lowered my credit score by their continued inquiries from XXXX to XXXX. This HAS TO STOP. I need your help in this matter as soon as possible. I can be reached at XXXX or by email at XXXX or my backup phone is XXXX. I can be reached 24/7 .Thank you for your advice and help in this matter. 
Sincerely yours, XXXX XXXX retired on XXXX XXXX XXXX
My mortgage lender ( Bank of America ) has done XXXX specific things that have cost me significant time and money:1 ) They refused to cancel my PMI for several months despite the remaining value of the mortgage falling below 80 % of the purchase price of the home. They claimed late payment for one or two mortgage payments as the cause for continuing to charge PMI yet the payments were set up as recurring in their system. Due to their system error, my payments were late ( both my checking account and mortgage are with Bank of America ). I was refunded the late fees because it was their error yet they still charged me PMI past the 80 % threshold. 
2 ) They are taking an egregious amount of time to process my refinancing and continue to increase the fees. I began the process of refinancing my mortgage in XX/XX/XXXX. I lost my job two months later and Bank of America was not able to complete the refinancing in those two months so I was stuck with a higher cost mortgage while unemployed. I now have a new job and re-started the refinancing process two months ago. This past week, they asked me what kind of home is subject to the mortgage. They have held the mortgage for nearly ten years, had me pay for an appraisal earlier this year and still do not know what kind of home it is? In addition, the fees they intend to charge have gone up significantly from earlier this year to today - an increase of over {$3000.00}. I am just frustrated because each month that passes is an additional month that I pay a higher interest rate. I am essentially paying them to take their time. On top of that, they are increasing the fees and asking me to pay for a XXXX appraisal in XXXX months. 

Finally, I have tried repeatedly for literally years to get a copy of the loan documentation from Bank of America where we agreed on the PMI and they have not been able to locate it. They have told me that I needed to pay PMI and did not have a choice in the matter and it does not matter that they have no record of me signing any documentation related to PMI.
I was a victim in the Equifax hack and had very sensitive information stolen, as announced on XXXX XXXX, 2017.
My identity theft is not being taken seriously and was not included in any reporting that XXXX did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. 
It went as far as affecting my auto and renters insurance and I received nasty letters from my XXXX XXXX and property insurance company starring they would cancel my insurance because of what XXXX REPORTED. 
Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. 
Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.
Starting in 2018 Pacific Union Financial starting charging a fee for payments made after the XXXX  of the month ( {$5.00} ) and after the XXXX of the month ( {$10.00} ). This information is not included in my truth in lending paperwork and therefore should not be a charge I should incur. When I called customer service to ask about this, they said it was because so many people had defaulted on their payments that this was an effort to recover this. I have never been late on a payment in 4 years with Pacific Union Financial and do not feel this is fair to impose on customers who do pay on time.
I was working with a lady at guaranteed rate of XXXX, va she had my file working on this and it was sort of long time well she pre approved me and then it was some time later she said over the phone i got denied not letter of this was given to me then i get a phone call she left my file undone and someone else took it over later to be told my credit score dropped and i was denied again and got a letter if they would not of took there time on this loan it would of went thru it cost me my forever home. Something to look forward to with my grandchildren so i am upset they took there time.
I noticed a collection account on my credit report in the amount of {$1400.00} from Midwest Recovery. I had no idea where this debt came from and i never received any kind of communication from this this company in the mail regarding the debt. This specific amount was previously listed on my credit report under a different company. I sent an validation request to the other company. They were unable to validate the debt and it was removed from my report so I am assuming it was sold to Midwest. I sent Midwest a  validation request by certified mail on XX/XX/XXXX. It was received by them. USPS Tracking number ( XXXX XXXX XXXX XXXX XXXX ). As of today, I have still not received validation of the debt and it continues to be reported on my credit report. Also, i received a credit alert yesterday from my credit monitoring service that my address had been changed to an address that I do not reside. I called the credit report agency in and was told that it was reported to them by Midwest Recovery. They were able to change my address to an inaccurate address but unable to provide me proper validation the debt in question. I was told that they could not remove the incorrect address because it was reported by a creditor. I have never done business with Midwest, not verbally or in a contract. They have violated the FCRA by continuing to report a nonvalidated account.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016, XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
My name is XXXX XXXX I was a customer of rushcard for 3 years. On XXXX/XXXX/2015 a direct deposit of {$720.00} was deposited to my account. On XXXX/XXXX/2015 my account became frozen and I was unable to get any monies. I had just moved to XXXX from XXXX because of my job. I had to borrow money from my job and coworkers because I moved down here alone to help pay my rent and bills On XXXX/XXXX/2015 was was given {$430.00}. When I called the customer service to complain about the monies that was n't on the account.I was on hold for 2 hours and they stated that was paid in full. The CSR staed that the transactions from me going to the ATM took off {$3.00} each time I checked on my monies. I change accounts for my direct deposit and they state they do n't owe me anything. Rushcard owes me {$290.00} plus compisation for putting me behind in my bills and still owe co-workers for helping me.
Santander Consumer USA reported a repossession on my credit report which has cause my nothing but tramua. I was not able to get financial for my son college education, loans for my XXXX degree and etc. The vehicle is in my position after making nessary arrangement Santander. I called Santander to discuss this situtation and was told, " it is legal for them to report repossession on your credit report even if you receive the vehicle back '' .. The definition of repossession is the term used to denote a financial institution taking back an object that was either used as collateral or rental or leased ... OR ... If you do not make payments you owe on a loan secured by property, the lender may foreclose on the loan or repossess the property. Your lender has a security interest in your car and if you fail to pay, the lender can sue you or repossess your car ...
Call 20 times a day, I have told them they have the wrong number, I do not owe them money. Have asked not to call back.
XXXX XXXX 2016, it was informed to me that capital one ran a hard inquiry on my credit report. I however have NO knowledge of giving my consent for this company to pull my credit. I will like to see validation with my consent of me giving permission for this company to pull my credit.
I disputed item to be removed being   XXXX    removed item from my report as a result of their investigation.
On XXXX/XXXX/17 at XXXX XXXX XXXX XXXX XXXX in XXXX, Alaska called demanding payment on debt that they refuse to show proof of. When I asked for proof they only send a statement from their firm with no actual contracts or ER visit dates. The " proof '' that they did send had another client 's name and birth date. When asked for further proof that had my name and birth date on it I was screamed at and told that they would not provide it and demanded payment. The employee, who is female, is exceedingly rude and very unwilling to send further proof. I believe that XXXX XXXX is trying to collect payment from me in a fraudulent manner. Their representatives are very aggressive and will shout and argue.
XXXX XXXX XXXX  is not a licensed collection agency in the state of Louisiana which is where I reside. The state of Louisiana requires that collection agencies be licensed to collect any debt they claim is owed to them. They currently have multiple accounts listed on my credit report with each of the credit bureaus and I would like those accounts removed.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under XXXX XXXX ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
I am an XXXX XXXX Service Member with almost 19 years of service. In XXXX XXXX, while attending a XXXX XXXX XXXX, I was told about the Barclays Gold Card benefits for XXXX XXXX Members. The offer sounded very good so I call Barclays to confirm what I was told about the 0 % APR with waived annual fees for as long as I was on XXXX XXXX. The customer service person that answered the phone confirmed that in fact all annual fees were waived as long as I was on XXXX  XXXX and I would receive a 0 % interest on all purchases. Immediately I was asked if I wanted to apply and I agreed. After taking all my personal information, I was told that I would receive approval notice in a few days. The customer service representative also said that in order to get the annual {$990.00} fees waived and the 0 % interest, I had to send some personal documents like my XXXX and XXXX XXXX XXXX. In XX/XX/XXXX all my documents were sent and soon after that I was approved with yearly fees waived ( {$990.00} ) and 0 % interest rate. Soon after the approval, I received on the mail the anticipated Barclays Gold Card Mastercard. In XX/XX/XXXX, I was mobilized under military orders to the XXXX XXXX in support of military operations. My Barclays Gold Card Mastercard became my card of choice to cover all travel expenses. Knowing that my card guaranteed me no annual fee and 0 % APR, I charged all expenses reaching around {$30000.00}. On XX/XX/XXXX I received a letter from Barclays Gold Card dated back to XX/XX/XXXX. The letter arriving so late was common because of my constant moving around the different countries in the XXXX XXXX. The letter stated that I was no longer entitled to the Barclays Gold Card XXXX XXXX benefits and they were going to charge me {$990.00} annual fee on XX/XX/XXXX. They also said that they will honor the 0 % interest. I find this to be an insult and abuse to Service Members. I was promised that the {$990.00} annual fees were going to be waived for as long as I was on XXXX XXXX along with a 0 % interest. I called and confirmed that with Barclays before applying for the credit card. I think proper action must be taken to correct this issue. I was misled by the company and I demand quick action to resolve this matter. I would n't have applied if I know they were not going to honor their promises. I have never been late on making any payments and I am committed to continue doing so. Please help.
XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Card Ending In : XXXX There are no balances owed on any credit cards
XXXX is listed my credit reports as 120 days late. This account has never been late. This account is in forbearance status. I have attached the appropriate documents.
XXXX XXXX XXXXXX/XX/XXXX - I have no knowledge of this collection account. 

XXXX XXXX XXXX, XXXX XX/XX/XXXX I have no knowledge of this collection account. 

HARD INQUIRIES - I have no knowledge of these hard inquiries. 
This inquiry could stay on your report until XX/XX/XXXX. 

Inquiry from XX/XX/XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX DUP INQUIRY ) XXXX XXXX, CA XXXX ( XXXX ) XXXX