WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX made an error ( posted some payment we did not make and then reversed it PLUS {$400.00} that left our account short due to no fault of our own ) on our account that pushed us into default ; though, we've never missed a payment and did not know of this since XXXX never sent statements. They sent us to Specialized Loan Service, which is a collection agency, and they are now threatening to foreclose if we don't pay {$1700.00}. We didn't make the error ; still have not missed a payment and don't believe we should pay for XXXX 's error that messed up our account in the first place.
I am writing to you hoping that you may help me with my problem. I have been trying to solve this matter for quite a long time without any response from Chase. I live in XXXX and it is difficult for me to visit The Chase facility at XXXX XXXX. 

My problem is that I have been trying to tell the banking personnel that I cancelled my safe deposit box service 16 years ago and Chase is still charging me for this service. Last year, I sent a letter via XXXX to XXXX XXXX XXXX, explaining this situation ( I enclose a copy of this ). Nevertheless, recently Chase sent me again a communication in which they are charging me for the service. 

I also tried to reach Chase personnel many times by phone but it was useless. 

I hope that with you I have the chance to solve this once and for all. 


XXXX XXXX
I mailed an insurance settlement check to XXXX for a settlement involving damages that were completed. XXXX requested a copy of the settlement agreement. I complied. The settlement agreement was mailed on XX/XX/2018. The XXXX representative advised me that processing would take up to 10 day. I waited. In early XX/XX/2018, I called XXXX to check on the status of the settlement check. At this time, they requested an inspection for damages unrelated to the claim in question. I complied. The inspection was completed XX/XX/2018. I was told that processing the settlement check after the inspection was complete would take 10 days. I waited. I called today, XX/XX/XXXX, and was advised that I had to provide receipts for the repairs that were inspected and granted a 95 % completion status. I advised that the documents were submitted with the original insurance claim check as this is an ongoing claim that went to litigation with the insurance company. I advised XXXX that the repairs were completed in XX/XX/2018. The requested documents, receipts, etc. were submitted when the original claim check was processed without incident. I advised XXXX that the settlement check was for the same damages that have been inspected twice. 

I asked to speak to a supervisor and was placed on hold for 30 minutes. At this time, I am requesting assistance to ensure that XXXX is working in Good Faith and to ensure that no rules, policies, statutes or laws are being broken. Your assistance is appreciated.
I received an email from Chase bank to apply for their new Ink business card and i will get XXXX bonus points I applied, and they denied the application because i have too many cards. 

If that is the case why did they send me an email inviting me to apply, and wasting my time?
Freedom Mortgage made a mistake servicing my loan, the problems were resolved, Freedom mortgage admitted that they made an error servicing my loan but in the process they negatively marked my credit history. Calling them, sending them the requested documents has not resolved the issue of the credit damage. They have refused to remove the mark on my perfect credit history.This effects my clearance for my government contracts, and also my financial future
I applied for an auto loan in XX/XX/2017. I was given a high rate. I noticed 2 separate credit cards that i never opened. When i contacted both in writing, they failed to submit any documentation supporting that i signed any application, copy of my identification. I disputed with all 3 credit agencies, they failed to investigate. Stating the company paid for a block on my report to report anyway they like. They ignore. State they investigated but never submit any documentation according to the FCRA
Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX was added to your credit report. 

Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX XXXX was added to your credit report. 

Between XX/XX/2018 and XX/XX/2018, your XXXX XXXX XXXX automotive account appears to have been closed. 

There should have not been anything allowed to be processed on my credit file because it was frozen and i have NEVER done business, nor heard of the first two companies listed. The third account was closed as Fraud but also listed as CLOSED which is incorrect, I  have called and disputed with Trandunion, as well as disputed online. Police reports have been filed, i filed an identity theft report with the FTC ( at their suggestion ) and also placed a fraud alert on my account, The security freeze was lifted, there is no fraud alert on my account ( The other two CRA 's did it the same day it was requested ) and whoever has access to my information is still being allowed to drag my score down,
There are several inquiries on all XXXX credit bureaus ( XXXX, Equifax and XXXX ) that do not belong to me.
In XX/XX/XXXX, I began to dispute accounts on my credit report as included in my Chapter XXXX. Most of my accounts were updated properly however, I continued to have a few accounts that were not corrected. One account, in particular, would not update correctly as included in bankruptcy. It continued to update as a collection account after filing bankruptcy. I filed Chapter XXXX on XX/XX/XXXX. As of today, XXXX XXXX is included in the bankruptcy and the account is closed. However the reporting is still incorrect, the date on the report reflects as a recent status update and is incorrect. All of my other tradelines are reporting correctly and the activity date never changed but this one did and is report erroneous. Please change the activity date back to the original date of bankruptcy filing. The date on my report is incorrect as it was not a collection account at the time of that update.
XXXX XXXX XXXX ( XXXX ) - I contacted XXXX XXXX  XXXX on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. XXXX proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX ) as XXXX  continued to provide incorrect information. As it stands today Equifax shows an amount due of {$1000.00} and XXXX  shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.
Citizens Bank switched my mortgage loan to paperless when my wife asked for a personal checking account she held to go paperless. We are joint on the mortgage and she nor myself asked for that to be paperless. When I did n't get a bill they gave me a late mark with the credit bureau ( previously I had fantastic XXXX score ) I explained what happened numerous times, payed my bill immediately, they WILL NOT RETRACT THEIR NEGATIVE ON MY CREDIT AND I THINK THATS WRONG!!! I want that mark removed PERMANATELY!!!!!!
I attended XXXX a few years ago and being that I was not born in the country-but I am a US citizen now-I was asked if I submitted selective service? I did and I was mailed a confirmation letter. I physically walked into the school and handed paperwork to someone at front desk. The persons took the letter sent to counselor and then a few days later I was admitted to the college and they asked me to apply for financial aid. FAFSA. I was told I had to apply and accept loans for an entire year-although each semester was only about 4 weeks or so. I attended school for about a year 1/2 and About a year later while registering for class I received a notice asking me to contact a counselor regarding financial aid-I was then told I could n't apply for financial aid because of selective service-I was told I would have to start paying them directly for college and I could n't get Federal loans anymore and they were sorry-because of selective service.. I still did n't understand-I had attended for 1 ( XXXX XXXX year. I eventually pulled my credit report and saw an {$18000.00} debt from a company and when called they told me XXXX said I owed and that they paid my student loan debts off ( and they wanted me to pay them ( XXXX XXXX {$18000.00}. I have never received a single sheet of paper explaining this, NOTHING, but when I dispute-they send an electronic notice back to credit bureau saying debt is verified. YET I have nothing, know nothing-no one can explain anything-nothing in writing from XXXX-or the collection company ( ATG ). Credit is being ruined and no one can explain anything.
Patridge Snow and Hahn represented a debt that was being claimed for collection by them. They claimed to be XXXX XXXX XXXX XXXX, as their basis for collection, but never offered authentication when asked what executive at XXXX XXXX hired them, if any. 
Patridge Snow and Hahn may be a law firm, but it was XXXX XXXX who threatened me, He reused to provide debt validation to me, XXXX XXXXTheir debt collection abuse was terrible to me and my family.The harassment was /is unbelievable and they claim ownership of the note to my house and will not show any evidence.
Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair
Transferred money to my son using XXXX XXXX XXXXXXXX XXXX   from my XXXX XXXX account for pick up at any XXXX in FL. I live in XXXX. The transfer was confirmed and available, but when he went to pick it up, XXXX would not release the funds. they required me to call Ria to clear up a compliance problem. Ria 's system showed no problem, but their customer service team ( after many calls to get a live person ) suggested I cancel that transaction and send another one. So I did. The second one also went through, but it was held in compliance. I was variously told by several staff members, the cancellation of # 2 transaction was due to a high rate of consumer fraud in XXXX, that there was an unidentified problem with my transaction, that there was some type of issue with XXXX XXXX. 

Repeated questioning of several staff members of Ria proved useless as they were not going to tell me what was wrong with me, or my transaction, or why they sold me 2 transactions into a region that was blocked from all transactions. The lack of honesty, and transparency was appalling. Eventually, after more than an hour on the phone I was able to get my money refunded, but I could not get my son the cash he NEEDED because for the entire day I was told this transfer was fine, only to realize after the fact that it had been blocked, for a reason that no one at Ria will explain.
On XX/XX/XXXXI happily went to a local Chase branch to open up a new checking account. As part of the opening I brought in an opening bonus coupon that gives {$500.00} for opening new account with

Chase. Who knew this would turned out to be a disaster, the very next day Chase closed my checking account ALONG WITH ALL MY EXISTING CREDIT CARDS. I have not done anything to the account at this point other than initial funding of the account. I suspect two reasons for the closure. 1 ) Chase simply does not want to pay out the opening bonus. 2 ) I was targeted as a minority and the banker had flagged my account. I had a College Checking with Chase before and at the time I did not open with a bonus coupon and the banker was a minority himself. A closure did not happen then and I had it for a long time until I grew out of the account. There has been no other reasons I can think of that would justify the closure of my accounts. I called Chase
on XX/XX/XXXX and they refused to state the reason of closure, which seem even more suspicious as they can't even come up with a legitimate reason for closure.

I've never seem such outright discrimination from a financial institution as Chase. I am truly disappointed as I was trying to expand my banking relationship with Chase and they did it.
I had XXXX collections, all less than 500 $ on my credit. most are 2-3 years old. I disputed the balance, as they hospital sued me, which also shows up on my credit report. So the collections show up twice once in collections and once in civil. After complaining ALL the collections were removed and made into missed payments and current debt and not collections.
I made a cash deposit of {$250.00} ( 2 {$100.00} bills and 1 {$50.00} bill ) and the ATM took my money but did not credit it to my account. It gave me a receipt citing an ATM error and asked me to call a 855 number. I called immediately and was told the funds would be in my account after the holiday, on Friday XX/XX/XXXX. It is now XX/XX/XXXX and the funds are still not in my account. I had to make another {$200.00} deposit to cover some of the transactions and avoid overdrafts but over the following weekend, a lot of transactions hit and overdrew the account, since they did not deposit the {$250.00}. I spoke to XXXX at the XXXX Branch, XXXX Branch Manager at the XXXX branch and they refused to give me a provisional credit on my account. The funds are still not there, and the practice that this bank has of taking funds and refusing to give provisional credits while they investigate THEIR own ATMs is the worst disservice to their customers. What if I did n't have any money for food, gas, etc.? The bank is putting people in very precarious situations and it is unacceptable!
Company named Executive Financial is repeatedly calling my personal phone regarding debt. They do not provide the name of the person they are calling for and I do not have any outstanding debt that would have been submitted to a collection agency. Several online complaints claim they have erroneous info and are phishing. Thank you!
I contacted you several months ago concerning a balance on a citi card. IUI I heard from XXXX almost immediately and got a very satis- fying result. She was very pleasant. But she did not report the result to XXXX and now I still have a bad credit rating and am unable to get a Sears credit card for XXXX shopping. 
Can you please see that she follows through and that my previous good credit is restored. 
the case # XXXX the citi advantage card ended XXXX thanking you in advance for helping me in this regard. XXXX XXXX
HomeBridge Financial Services reported a negative account to my credit file, which means Bankruptcies, liens, garnishments and other judgments. This significantly dragged my credit score down and would stay on my credit file for at least XXXX years. Because of this, I failed my application to buy my dream house. This was totally inaccurate and unprofessional. I 'd like to provide all the correct information below. 
**** HomeBridge Financial Services started my mortgage loan on XX/XX/2016. I paid {$4400.00} in XX/XX/XXXX to cover the period from XX/XX/XXXX to XX/XX/2016 by check. The monthly payment was {$2000.00}. I set up a monthly ACH drafting in XX/XX/XXXX, and I received a confirmation letter that shows the ACH drafting autopay has been effective on XX/XX/2016. Then HomeBridge auto charged the amount of {$2200.00} on XX/XX/2016 from my bank account. 
On XX/XX/2016, I received the letter to notify me that HomeBridge has sold my loan to XXXX XXXX, and it would be effective XX/XX/2016, which means the payment I just paid on XX/XX/XXXX was the last payment to HomeBridge. In the meantime, I received a bill from XXXX on XX/XX/2016 to ask for {$2200.00}. I sent the check to XXXX as well, which ended up with I paid {$2200.00} twice in XXXX. Other than that, I never stop the autopay with HomeBridge, so if there 's a bill there, they would auto charge my money from my autopay account. All these above just shows that I always take my responsibilities, and never paid my bill late. 
However, HomeBridge reported me a negative account on XX/XX/2016. On that day, the new loan mortgage XXXX already collected XXXX months payments from me. How would they report me a negative account?! I have kept all the transactions in record, monthly payments from my bank account in pdf file, the auto pay confirmation letter form HomeBridge, and the letter when they sold my loan to XXXX. 
I was applying for buying another house, but the negative account reported by HomeBridge horribly affected my application. I really like that house, but I can not get my loan application approved since the negative account. So I lost it. 
I contacted HomeBridge Financial Services office several times at XXXX, and left many voice mails, but I got no response from them. 
I 'd like to provide all the documents I have kept. And I need HomeBridge to give me a solution how they pay my damage caused by them due to their errors.
XXXX   Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   Trans Union  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX   XXXX  Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom It  May  Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX   XXXX    XXXX  Cell Phone :  XXXX
I have a large amount of private student loans through XXXX now Navient - which i did n't submit for each year that they say i did. Now because i have a very large amount of private loans i ca n't afford to make the payments and have tried working out several payment plans with the loan administrator and have been unsuccessful. I did have an arrangement set up for interest only payments for about 3 years which was affordable but obviously not paying down any of the principal. Today, Navient automatically withdrew {$850.00} from my account with no notification. I tried to negotiate with them for an income based payment but they insist that they have no such program. I simply ca n't afford those payments. I will happily pay what I owe, however, that amount is absolutely not something I can afford. I called them promptly and they said that the only program I 'm eligible for is an EXTENDED payment plan, payments of $ XXXX - a little more workable which puts me not paying off my loans until XXXX at which time, I 'll most likely be DECEASED! I have begged them to put me on some sort of income based repayment program which they refuse to do. There are various reasons why I 'm in financial trouble. XXXX being that I was sick and out of work for 4 years with no insurance and just recently received a social security settlement for back pay for that time. I used all my deferment time during that period. I have since returned to work and ABSOLUTELY ca n't afford the options they 're giving me. If they do n't work with me, I will be forced to file for bankruptcy.
Ocwen miscalculated my property taxes and as a result, my monthly escrow amount is {$1700.00} instead of {$700.00}. About a year ago, my property taxes got paid twice by Ocwen. My county refunded Ocwen the overpayment amount. Ocwen then calculated my taxes based off the double payment showing I was short, even though I was n't and Ocwen received a check for the overpayment. It is very frustrating because Ocwens XXXX call service center recognizes the error and every time I call to have my escrow recalculated to my correct tax bill, I am told it takes up to ten days and " I will put in a request ". Nothing happens. For a company so large to be so incompetent is beyond me. Unfortunately, Ocwen can see the error, but they wont respond. After reviewing the negative press surrounding Ocwen, I would think they would resolve customer complaints. Also, this is so simple and they ca n't fix it. Take my annual taxes divide by 12 months and you are done ... simple.
I 've been unemployed for a while and myself and the spouse has been paying the mortgage. There were only once source of income in the home and my spouse was paying the mortgage on time. For some apparent reason I made arrangement and kept those arrangements and they have reported me to the credit bureau for no reason because the payments were made prior or before it gets to the credit bureau.XXXX
I was in XXXX and was in the market to get a vehicle. JD Byrider/CNAC sold me a Scion XB I fully disclosed that I live in XXXX and would like to have it title there. They told me that they could not get me a XXXX title but I can get it transferred once in XXXX. I agree to the transfer the title. In XXXX title are electric I went to the DMV before the XXXX tags expired I was told that I could not transfer because CNAC was not a registered lien holder with XXXX. Over a month of calls, I have also told them this issue need fixed no later then 2 months if not fixed the car would no longer be licensed. I was told that everything was fine again the DMV to find out they did not put a address for there business so the DMV still Could not title the vehicle. Called CNAC they called us a liar and informed them that this need fixed in 2 week. I drove the vehicle to JD Byrider in XXXX they could not take the vehicle because they are the same company but different branches and could not take the car. Called CNAC to inform then that I will no longer pay for a vehicle that ca n't be titled and that they can come and get it. Vehicle is still in my yard, CNAC breached contract and due to not having a vehicle as agreed I had to stop payment. Now they are falsely report to the credit reporting companies, I would make payment if I had a vehicle that they was not stopping me from driving
On XXXX/XXXX/2016 I initiated a chargeback against my debit card for a transaction authorized on XXXX/XXXX/2016 and settled on XXXX/XXXX/2016 for the amount of {$170.00}. After I called the bank, the bank placed a hold on my debit card but never issued a credit to my account for the unauthorized charge. I called my bank today XXXX and they mentioned they never initiated a chargeback for this transaction. I want my money returned to me ASAP.
The 3 credit reporting agencies are still reporting a account that was opened in XX/XX/XXXX with XXXX XXXX and closed /discharged in XX/XX/XXXX another company called XXXX XXXX XXXX XXXX bought the debit in XX/XX/XXXX and reporting it as opened in XX/XX/XXXX this information is incorrect and currently impacting my credit greatly causing distressing harm.