WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for the XXXX XXXX XXXX XXXX XXXX Card by Chase on XX/XX/XXXX, and was approved with a {$22000.00} credit limit. On XX/XX/XXXX, before I even had a chance to use the card, Chase closed the account. I received a letter in the mail stating, " After careful consideration, we closed your credit card account on XX/XX/XXXX, because our affiliate is ending its banking relationship with you. '' I called the phone number on the letter ( XXXX ) on XX/XX/XXXX, and the representative told me that all she can see is that another of my Chase accounts was closed. However, I do not have any other Chase accounts, except for a mortgage, which Chase bought in XX/XX/XXXX ( and is still active ). The representative said there is nothing more she can do, and that I am welcome to mail a letter or send a fax to their executive office. 

I suspect this account closure may be due to fraudulent activity. On XX/XX/XXXX, someone had fraudulently applied for a Chase credit card in my name. I reported this to Chase at the time, and the Chase representative informed me that the account was closed.
PHH mortgage charged my credit card {$590.00} plus an additional {$1.00} service charge for an appraisal on my home for re-financing a mortgage. They said my credit card would be charged if they were unable to close on the re-fi. I never received a letter or phone call first to inform me, just a charge on my XXXX. The mortgage company solicited me with numerous phone calls to re-fi, and told me I would be saving several hundred dollars monthly. They also said I was pre-approved. The initial loan processor never walked me through the documentation, as promised, and papers had to be re-sent. A new loan processor was assigned. She was equally rude and evasive in our conversations. Finally, they asked for documentation of additional income to be guaranteed that it would continue for 3 years ; however, the income is XXXX XXXX deeded to me 35 years ago. I sent all tax documents for 3 years and told them there 's no guarantee that Royalties continue indefinitely, although I 've continued to receive them 35 years. This company has had many legal problems and is not endorsed by the BBB. XXXX reviews are all consistent with my complaints.
We filed Chapter XXXX bankruptcy, discharged on XXXX/XXXX/2006. One of the accounts that was discharged was for a mortgage with XXXX XXXX XXXX ; we recently received communication from Ditech that they had purchased the loan and that we owed them for the house. We disputed this, stating that it had been discharged via bankruptcy, they sent us a copy of the original loan with our signatures on the promissory note and stated that this was proof we owed the loan. The account was discharged, that was confirmed by both XXXX and another agent that had purchased the account, XXXX XXXX XXXX.
I perched my home on XX/XX/XXXX with a second mortgage at approximately {$60000.00} at time of funding. I've incurred late charges over the years but haven't had an extended period of nonpayment. On XX/XX/XXXX, Wells Fargo ( WF ) assumed my loan with a reported balance of {$57000.00}. I disagree with the balance due as it implies that the paid down of the loan over a 12 years totals {$3100.00}. For this reason, I've requested a payment history from WF to address the accuracy of the reported balance. There are several other loan issues that I've tried to address with WF on numerous occasions but I've been unsuccessful. Following numerous request for a history of payments, WF provided a " Customer Account Activity Statement, dated XX/XX/XXXX, which notes account activity from XX/XX/XXXX to XX/XX/XXXX - an 8 year period. See attached Activity Sheets. The information provided is incomplete but clearly notes that Escrow and other fees were applied to my account on a regularly. To prevent further charges for insurance to my account by WF, I had my insurance provider, XXXX, provided WF copies of my insurance policies on XX/XX/XXXX confirming coverage from XX/XX/XXXX to XX/XX/XXXX. Copy enclosed. On XX/XX/XXXX, WF acknowledged my insurance coverage yet indicated their intent to purchase insurance on my behalf from the escrow account. There was no indication by WF for reimbursement of escrow fees and related charges. Shortly thereafter, I was issued a check in the amount of {$1500.00} for escrow overages. The date for this reimbursement was not identified. Despite proof of insurance coverage thru XX/XX/XXXX, WF continues to charge insurance to my account. See attached bank letter. Another concern is a fee in the amount of {$400.00} the day WF assumed my account on XX/XX/XXXX. The reason for the charge was not provided. The charge appears suspicious as it is highly questionable that WF was able to complete a comprehensive Financial Analysis of my account within the first 24 hours of assuming my loan to justify the charge. I became aware of the {$400.00} charge 7 years later when reviewing the Customer Account Activity Report dated XX/XX/XXXX. I was never given the opportunity to address or resolve this issue. It is unclear if the {$400.00} imposed to my account has resulted in accrued interest and applied to the principle. Without a complete history of my payments and fees applied to my account, I refuse to blindly accept WF 's reported balance. With a never ending increase of charges to my account, I am in need of your assistance. Therefore, I am formally requesting a detailed payment history from WF and all related charges to my account so that I can pursue an independent and comprehensive assessment of my account either by an independent Financial Consultant or Government entity. I am overwhelmed by the financial issues imposed onto my account and do not believe that I have been treated fairly and honestly by Wells Fargo.
Loan Depot appears to have no bounds to its advertising. I noticed a picture and article written by one of their sales managers on XXXX and there is no proper disclosures, including the XXXX symbol or XXXX ID.
The collection agency agreed to remove the collections back on XX/XX/2015. Now they have reinserted the same accounts a year later without notifying me within 5 days, according to FCRA standards. Instead of removing the accounts, I 'm continuously getting hassled to pay bills that I did not authorize. My Mother, made financial decisions with my account while I was on life support and I could not fend for myself. 

I disputed those charges a year ago and all 14 accounts were removed. Now they have appeared back and Revenue Recovery Corporation says that they were never removed. I 've submitted proof of the removal and they are ignoring the evidence.
Ms. XXXX from Mcneil and Meyers has called my phone and left messages stating I need to contact her by the end of the day and if I did not she would send it to further processing and that " we can do this voluntary or involuntary ''. she has called me at my place of employment where I can not receive phone calls, the day she called my job and I answered the phone I had a patient that I was working with she refused to get off the phone when I told her I was at work and could not talk.
I've been paying the mortgage to my house which was Deeded to me for over 27 years and I have been only person communicating with PNC Mortgage who had been aware of this situation for over 25 years. MY first complaint that I would like to report concerning the PNC Mortgage is they informed me that I was behind one month in my mortgage in 2017, therefore I asked if they could provide me with the month and date that I supposed to have missed payment. PNC Mortgage provided me the information with the check number and date as they identified as the missing payment. I submitted back to PNC proof of payment along with the check number that it was paid and pointed out their mistake and they still refused to correct the issue and credit my account. PNC Mortgage continue to let by account accumulate late charges for years. Now I'm experience a hardship situation from being laid off my job in and after receiving help from the Save the Dream Mortgage Assistant program. PNC agreed to receive payment of 9 months for me from Save the Dream and did so. Now the months have ended and I'm was receiving unemployment the are refusing to work with me. My house was purchased with XXXX family member on the original loan, however XXXX people are decreased and the XXXX remaining living family member has never lived at the address and has no interested in the property. I submitted all documentation PNC Mortgage has asked me for and they still continue to giving the the run around and straight answer. Please if you would look into this matter and let me know if I could keep my house as I as wish to due.
I applied for a mortgage refinance loan from PenFed credit union in XXXX 2016 via the internet and gave them the requested information they sought, which included income from my wife and myself, past credit experience etc. About four days later I received an E-mail from their loan broker in XXXX, Oregon stating that he had my application from his home office, and that it appeared I would not qualify for the loan because of my income level, even though it all had not been verified. I therefore ask the loan officer to cancel my request, which he agree to do. In the loan application they requested a bank card to cover expenses in processing the loan. I believed they have incurred no expenses but they have charged my credit card with {$84.00}. Why? 
I called the PenFed office and asked that they remove the charge of {$84.00} since they have incurred no expense except for the on line application. They refused my request. I argued that the only information they had for the application was the info I provided for them on my online application. 
I would like to have the PenFed charge removed from my credit card or the amount of their charge be returned to me.
CHALLENGE FINANCIAL SERVICES - XXXX, CA CAR LOAN HAS BEEN INAPPROPRIATELY CONFIGURED AFTER WE RETURNED A VEHICLE AND RECEIVED OUR CURRENT VEHICLE. IN XXXX I RECEIVED TAGS FOR THE VEHICLE THAT WE RETURNED. WHEN I QUESTIONED THE COMPANY ABOUT PROVIDING ME INFORMATION FOR RELEASING THAT VEHICLE THINGS THEN TOOK A TURN FOR THE WORST. 

ON XX/XX/XXXX I REQUESTED A SUMMARY STATEMENT FOR MY ACCOUNT AND THEY HAVE REFUSED TO PROVIDE ME THIS INFORMATION. I OFFERED A FAX NUMBER AND AN EMAIL. THEY DEMAND I CALL THE OFFICE. I DID AND THEY WILL ONLY POST MAIL IT TO ME. 

ON XX/XX/XXXX OUR VEHICLE WAS REPOSSESSED FROM OUR DRIVEWAY. THE DRIVER APPROACHED US AND STATED THAT IF WE DID NOT GIVE HIM THE KEYS HE HAD OUR CAR EITHER WAY. 

TODAY ON XX/XX/XXXX WHEN I CALLED TO TELL THEM THAT I HAD UNTIL THE XXXX TO MAKE PAYMENT ( WHICH I BELIEVE I AM CURRENT ON ALL PAYMENTS FOR THIS VEHICLE ) THEY STATED ON THE PHONE THAT I SHOULD HAVE NOT THREATENED TO GET AN ATTORNEY AND STATED TO GET MY VEHICLE BACK I WOULD HAVE TO PAY {$2100.00}. 

I DO NOT HAVE THE MONEY FOR AN ATTORNEY AND THE 24 % INTEREST CHARGE THAT I AM PAYING FOR THE VEHICLE SEEMS TO BE HIGH FOR US TO ACTUALLY MAKE HEADWAY ON THE PRINCIPLE. I HAVE REQUESTED AN AMORTIZATION TABLE TO SEE HOW MUCH HAS ACTUALLY BEEN PAID ON THE VEHICLE AND THIS HAS ALSO BEEN DECLINED. 

SO NOW I AM OUT OF A VEHICLE AND MY MONEY DOWN. THIS LEAVES ME NO OTHER CHOICE BUT TO APPEAL TO YOUR BUREAU FOR COMPLIANCE OF UNFAIR BUSINESS PRACTICE AND LENDING LAWS. 



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On XXXX XXXX 2017 I reluctantly called experian and told them the collection company was n't able to provide me legitimate validation of the debt so it needed to be removed from my report. I was told they could n't delete information but would dispute it again. Two weeks later I got a letter saying the item was verified. I then asked what information did they get to verify this of which I was told they could n't tell me. They said the debt collector told them " to the best of their knowledge the debt was verified ''. Experian refused to show me their proof and all experian did was parrot the information which is n't right or legal.
homeowner was delinquent on their loan and were protected by a C XXXX homeowners did not understand the XXXX process, they paid the XXXX plan payment but did not make their regular payments outside the XXXX plan to their lender. during this time the lender did not seek relief and allowed the homeowner to complete the XXXX plan. In XX/XX/XXXX we asked for a modification and SELECT PORTFOLIO SERVICING sent a packet and agreed to look at the client 's financial for a modification review. from XX/XX/XXXX through XX/XX/XXXX we have submitted, resubmitted the same documents over and over and have answered the same questions again and again. the client has enough verifiable income to modify the loan. SPS has been dragging their feet and lying to the client and to the housing counselor on a monthly basis. this is clearly servicer abuse and ignorance on the lender 's part. I know that they are reading from a screen and saying a lot of XXXX because they can not answer any questions about the underwriting process. we have been trying to negotiate with them for 9 months. we were told since XXXX that the modification was in underwriting then they would ask for updated information we would update them with the information and then they would punish the borrower by saying that the process was starting all over again. that 's just wrong. the lender is accepting monthly payments but keeping us in a holding pattern on the delinquency. need some action cfpb!!!
In the fall of  XXXX , I tried to repair inaccurate reporting of a closed   XXXX   XXXX   XXXX   account through   XXXX   that showed up on my Experian Report. I settled the account in  XX/XX/XXXX  with   XXXX   XXXX   XXXX   XXXX   and closed it. However, old information still appeared on Experian. I became aware of this inaccurate reporting situation when we began looking to buy a house and got our credit reports for the first time as a couple. When I called   XXXX   XXXX   XXXX   XXXX   to have this remedied, asking that they update the information, it made the account look more newly closed, dating it  XX/XX/XXXX  This only appears on my Experian report. I 'd like to have this removed. For my report to be accurate, the account was closed  XXXX . I believe it should no longer be on there. Can you help me? I 'm afraid to call back directly, as my first attempt to remedy this only made it worse.
Wells Fargo and XXXX XXXX fraudulently signed me up for the Wells Fargo Visa Home Projects credit card, without my knowledge or consent, to finance a purchase of windows that I have not agreed to purchase. 

Please see the attached materials in support of the CFPB complaint. 

I request the CFPB to investigate the Wells Fargo Visa Home Projects credit card product line for widespread fraud and consumer abuses.
I have asked my relationship manager,  XXXX   XXXX , by phone and email if our loan can be non-escrowed and have not received a response. He has not responded to my email regarding this issue dated  XXXX / XXXX /  XXXX  . I have tried calling  Ocwen  customer support and  Ocwen  's Ombudsman office, but no  one  other than the relationship  manager  is allowed to speak to me regarding my account and he does n't respond to my requests.  Ocwen  's legal law firm,  XXXX   XXXX , responds to my complaints, but does not address all of the issues raised in the complaint. I sent an email to their legal counsel on  XXXX   XXXX  addressing the concerns that were not addressed in my last complaint. As of  XXXX   XXXX , he has not responded to my email.
There are two problems concerning  Loan Care LLC .   First When I applied for this mortgage I was never asked if I had a job. At that time I did not have a job I was on unemployment. My thought was if they would give me a loan I would some time to find a new job and continue my payments. I did not find a job. The whole process was really a strange experience. The lady that came to do the mortgage came at  XXXX  at night, and did not get done until around midnite. Plus she did not seem to know what she was doing. Since it so late she could not call her office to ask questions.   Secondly, I have been trying to g et Loan Care to  clear my credit report from the reporting agencies since  XXXX  of   XXXX  , and I just get a runaround. They admit that it is past the time to take it off the credit bureaus. I think  Loan Care may h ave done things during my application process that were not to the rules.
I have contacted this company several times regarding the discharge of these loans as they were taken out by a school that have been closed for fraudulent activity. I now a ridiculous amount of student loan debt with no degree form a for profit school that should of never been allowed to operate in the first place. Every time I call no one can help me or they direct me to their website which does not have the information I need. To make matters worse my payments have now doubled ( without notice ) and my loan balance have gone up XXXX in less than 2 months. How is this possible? I see now why you guys are being sued. This is a scam and its disgusting how you are praying on people who were only trying to better their lives by getting an education.
On made a payment on XXXX/XXXX/XXXX at XXXX p.m. My credit card company would not let me post my payment for XXXX/XXXX/XXXX, therefore I had to select the date XXXX/XXXX/XXXX. XXXX/XXXX/XXXX was grayed out on the calendar. 

I sent the credit card company an e-mail stating that I think that it is unfair that I go to make a payment at XXXX p.m. at night and I am not allowed to make the payment for today. I had to make the payment for tomorrow 's date, therefore I will incur a late fee. My due date is XXXX/XXXX/XXXX, which is the date that I attempted t make a payment for. 

I paid the card off with that payment by the way. 

I advised my credit card company that if a fee is assessed because I was not allowed to make a payment on the date that the payment was due, I would cancel my card. 

Since the fee was not assessed, I did not request to cancel my card. 

Then on XXXX/XXXX/XXXX, I received an e-mail stating that my account had been cancelled per my request. 

I never requested for this account to be cancelled. I advised them that if they charge me an unfair fee I would cancel.
On XXXX XXXX, XXXX, I accepted a Mortgage Loan Modification Agreement from Ocwen Loan Servicing , LLC . Ocwen 's Contract Management Modifications Coordinator, XXXX XXXX, signed-off on the agreement on XXXX XXXX, XXXX. Subsequently, all of my monthly mortgage payments have been paid on-time or ahead of the due date, which is the XXXX of each month, as required. However, on four [ 4 ] separate occasions since the approval of my Mortgage Loan Modification, Ocwen has placed my account on a Trial Modification Plan and/or Forbearance, despite the fact that I have not defaulted on the agreement. In addition, I received a " Notification of Default '', dated XXXX XXXX, XXXX. Note, that each time an incident occurred I contacted Ocwen Loan Servicing LLC., to dispute the recurring problem. As a result, they would refer me to an " Escalation Manager '' and/or their Research Department to have the issue resolved. Subsequently, each " Escalation Manager/Specialist '' [ XXXX ext. XXXX, XXXX ext. XXXX, XXXX ext. XXXX, XXXX ext. XXXX ] would allegedly investigate, then resolve the issue, over a period of one [ 1 ] to two [ 2 ] months, only to have the situation recur. Nonetheless, XXXX continue to receive harassing telephone calls from customer service informing me that I have an arrearage that needs to be paid, mortgage statements that indicate my mortgage is on a " Trial Modification Plan '', and more recently a " Default Notice ''. My mortgage is clearly not in default. Payments are made directly from XXXX XXXX XXXX on the 30th or last business day of each month from my checking account, once my Direct Payday Deposit enters my account. This is extremely frustrating. Please help resolve this issue.
I 'm absolutely APPALLED at the " investigation '' into my credit report issues! These 2 companies have failed to correct or remove inaccurate info for 5 months now and I 'm tired of it! Their JOB is to make sure that all accounts on my credit report are accurate and complete and  Congress  states that they are required to go beyond the original source of information to make sure of this. I 've requested the method of verification, procedures used to investigate as well as the proof they 're using to say that these are reporting right!   For example, the  XXXX   XXXX  account #  XXXX  is NOT even mine and although it 's reporting accurately, why have n't they removed it? I only have  ONE  account with this company!   Secondly, for the  XXXX  accounts, they 're reporting that I was late when I was n't! Insurance was supposed to pay, and I had no obligation to pay anything on the months that are reporting late. I asked for the actual contract or agreement with my signature that states I would pay on these months and of course, I never received anything! I was NOT late on these months because I had NO obligation to pay on these months! They need to remove those!   Thirdly, for  XXXX , they 're reporting inaccurate info for the public records and I 've clearly pointed out where the issues are and have requested correction or removal and of course, nothing has happened. They are required to have this documentation in their possession to keep an item on my credit report. Failing this, the item must be removed.   For Equifax, the  XXXX   XXXX  account # xxx is reporting me as late on   XXXX   XXXX     and yet not only did I pay on time, but the other  2 bur eaus are reporting accurately that I did! I asked for them to correct this and nothing happened other than that this was allegedly " verified ''!   I 'm attaching all the letters that I sent to both companies and I require that these late payments and other inaccurate information is removed immediately due to violations under section 609 and 1681.
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and TransUnion reported this error.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score.  CFPB please step up and fix this ASAP please Im looking to purchase a home.
Navient received my signed physcians statement of XXXX XXXX for the XXXX discharge application in XX/XX/XXXX, by certified mail return receipt.

They received my signed statement in XX/XX/XXXX by certified mail return receipt that I had no income.

Navient still has my credit report showing I owe them large amount of money. Not recognizing or recording XXXX discharge.
My loan provider, Nelnet, made a mistake in calculating my monthly payment amount last year ( XX/XX/XXXX ). They thought I was paid bi-weekly, despite specifically stating on my paperwork that I was paid WEEKLY, which was also evident on my pay stub. Therefore, my payment amount was much lower compared to this upcoming year ( XX/XX/XXXX ). My new amount is XXXX % MORE than what I paid last year, which is much more than I can afford, and is significantly more than the yearly increase as stated on my IBR plan. I spoke with several advisors trying to figure out where the mistake was and why I could n't get a lower payment amount. They suggested forbearance as the only option, which I did not opt for due to the quickly accruing interest. I 'm extremely frustrated and feel like this is a huge mistake that I am paying for, literally.