WillisBack/dataset-financial-user-claim huggingface dataset:
A loan that I took out in XXXX was grouped into a XXXX then I refinanced it in XXXX. The original loan was paid off through the refinance. I have a letter of satisfactions in XXXX XXXX records stating that the loan has been satisfied. Currently I am facing foreclosure proceeding to have my home sold by auction XXXX XXXX, XXXX. I have contacted the servicer, who by the way is the third servicers that has tried to foreclose on this closed loan, sent them a Letter of Validation, which they were to stop all proceedings until they answer, they have not stopped the sale and have not sent the correct answer in a timely fashion. The sent an outdated Notice of Assignment from XXXX, who was fined last year and part of it asset absurbed by XXXX XXXX Ditech Financial XXXX LLC. Ditech did not give proper Notice of the alleged debt, did not allow time to cure the alleged debt and only give 30 days notice, without answering The Letter of Validation of Debt, when they did send a response it was the out dated Notice of Assignment from XXXX and a late sent Assignment from Ditech which took over XXXX in XXXX, and their dated Assignment is in XXXX, which was only received by me in XXXX, XXXX, they have not answered none of the questions asked in the Letter of Validaton of Debt and over the past three years that XXXX has tried to foreclose they have never provided the name and address of the creditor. that they are collecting for. XXXX was summoned to court last year and missed all XXXX hearing. I spoke with the VA that guaranteed the loan that my husband secured with his entitlement in XXXX and they told me that they have not had any interaction with the loan since XXXX which is the month after the loan was refinanced and secured with a security deed by XXXX filed XXXX XXXX records. I do n't understand how they are trying to collect on a loan that has been closed for 11 years. I have not received any statements and they have not shown a true accounting for what they are saying is owed.
I placed a complaint a few months ago and that complaint went nowhere so I am here now sending in another complaint. I owe {$57000.00} to Great Lakes who took over the loan for XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX. I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I feel that XXXX XXXX took advantage of not only me but to Great Lakes as well. It does not seem fair in any way that I should have to pay my loans to Great Lakes knowing that XXXX XXXX continued to provide education to me knowing they were in financial stress. I can't be the only person complaining about XXXX XXXX so I just hope this leads somewhere.
I have notified Transunion of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX XXXX XX/XX/2017 2. XXXX/ XXXX X/XX/2017 3.  XXXX/ XXXX X/XX/2017
My husband passed away in the fall of 2014. In the last two years, I have tried to work with Bank of America in order to assume the house loan. They have blocked me at every step and require me to start over every time. It seems as if they are trying to make me lose the house. All payments have been made on time but they will not help me put the house in my name so that I can refinance.
I wanted to transfer my amex membership rewards to XXXX XXXX  which I transferred before. However, it gives the error " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I don't have any recent rewards earned or used. I have no idea why it puts all my membership rewards frozen. I called customer service and they said that they have no idea and no clue why it was put under review, but it is frozen and nothing they can help. Trying to reach further to get some info why it is under review for all my rewards, but nothing useful get from customer service. They said everything looks fine, but it is indeed under review, all you have to do is wait 6-8 weeks. This is so unacceptable for put all rewards frozen for 6-8 weeks with no recent activity and no reason!
I requested a payment deferral in XXXX via phone call with Chase Auto Finance and during the call they had stated they would contact me if it was not approved. I had requested a payment deferral of 2 months. I check my account online and am not provided with paper statements. On my online account, the account did not appear to be past due during the time since I submitted this request. I have not received any communication from Chase Auto Finance stating that my payment deferral request was denied. 

This morning, Chase repossessed my car without notice. They do not have the correct phone number for me in this account, and have stated that my correct phone number is listed as on a do not contact number. My Chase Bank account does appear to have the correct phone number listed for me. I have received no communication from Chase that my account was in a past due status. 

I have requested to resolve the account issue by bringing the account current. They have stated that I need to pay the loan balance in full. I am also being required to pay repossession and storage fees of approximately {$500.00}.
I got behind on my bills and I could not pay my loan ... .And the local local company calls me everyday harrasing me I have told them over XXXX times to quit calling ... every time I get my cellphone number changed they get it without me giving it to them after the harassment ... I 've had my cell phone number changed XXXX times because of the same person ... I honestly truthfully feel after verbally fighting with them between XXXX and XXXX times and paying to have my number changed XXXX times I am being stalked and harassed ... I am XXXX and should not have to be treated like this.The name of the Company is Coventon Credit In XXXX AlabamaAlabama There phone number is XXXX.
XXXX XXXX opened a credit card with Barclay around XXXX XXXX using my personal information. I sent a letter disputing this debt to Barclay on XXXX XXXX. However, Barclay denied my fraudulent application to this credit card. I do n't have possession of this credit card or any information pertaining to this card. They stated that I am responsible for this debt. However, how can I be responsible for this debt when I have no knowledge of the credit card and it 's usage. I have not received statements or a copy of this application as requested. They stated that it is now a family matter because she is a family member. Even though it is a family member, it is still a fraudulent act of XXXX and Barclay for approving such credit card without verifying information. They refuse to do further investigation.
This letter is to complain about Chase rearranging bank transactions to appear different than they were in order to extract three overdraft fees that they were n't in titled to. Chase took one Amazon transaction and turned it into three separate actions in an effort to extract two overdraft fees that the should not have had. They then after my deposit was made and the account was brought back to positive, Chase rearranged transactions over the weekend when the bank was closed. to appear as if another overdraft fee had been extracted days after transaction had been made and fee was taken. Chase has intentionally rearranged the account to appear different in order to take money they were n't entitled to. Chase often does this and the call this action legal. They have intentionally extracted {$100.00} in fees they were n't entitled to.
ok, this issue that I have is regarding a credit card company that I have. they reported that I missed a payment, but in reality I did n't. I had this account on auto pay and the transaction was made but then reversed or sent back. because of this, they reported a missed payment to the credit burial and then decided to give me a call to inform me about the issue and charged me a late fee. Had they informed me what the payment was sent back I would of resolved the issue. Now my credit score dropped significantly as a result. I 've contacted the company and they ask that I file a dispute with the credit burial by mail. 

the company is elan financial svcs my name is XXXX XXXX
To Credit Acceptance Corp XXXX XXXX, XXXX RE : Repossession and Disposition of Vehicle VIN : XXXX This company is in violation engaging in a repossession without written notice, without a timely letter to inform of the repossession, how to retrieve the vehicle in a timely manner and predatory loan practices. The vehicle was repossessed in XXXX of XXXX, I never received a letter until XXXX XXXX of the sale of the vehicle with the amount remaining of {$6400.00} This company is currently under legal dispute for the same issues in a class action lawsiut
Company continues to try to collect a medical debt that was covered by my health insurer. I have not seen evidence where they filed or sent me a bill to cover their charges.
In addition to complaint # XXXX and XXXX ( the original complaint ) they contacted another family member on XXXX XXXX, 2017. They contacted my aunt, stated they were trying to reach me regarding a serious legal matter. They also contacted my Grandmother 's home, I have no idea how they are even getting this information. They told my grandmother I would be jailed. My XXXX year old grandmother called me in a panic. The name of the person that made this call was XXXX XXXX? Not even sure that 's a legitimate name and the phone number is XXXX, file # XXXX. When I returned this call to speak with XXXX XXXX, I was told it had been dismissed and they could n't provide me any further information. How are these people getting away with this type of harassment. They contacted my job repeatedly after being asked not to. They called asking to speak with my HR department. They 've contacted every member of my family as if I 'm some type of criminal, then to say it was dismissed. This ca n't be legal and I would like answers. If I could sue this company or press charges, I absolutely would in a heartbeat!
The doctor 's office is claiming that owe them {$100.00} from back in 2010 and it 's been removed from the other two bureaus all except yours, it is incorrect information I paid the bill in full.
I applied for a Modification in   XXXX   XXXX   and the representative tha t Citibank  applied to my loan was not responsive nor did they assist in any way all the way thru to   XXXX   XXXX   I struggled with the loss mitigation department as well as the customer service to try and get a status only to be declined without any reasonable explanation.     Finally in   XXXX   XXXX   I was able to pay the full arrears to bring my mortgage current as per a letter sent from  Citibank 's  foreclosure attorneys  XXXX   XXXX   XXXX . To date I have not received a Discontinuance of the Foreclosure LP nor a Mortgage statement to confirm what my monthly payments are. I have called numerous times,  X/XX/XX ,  X/XX/XX  and  X/XX/XX  without any confirmed date of when I should receive my mortgage statement just a span each time of 10 days.   On   XXXX   XXXX   I received a letter saying I am delinquent again without a monthly payment amount and when I called today   XXXX   XXXX   XXXX   with my lawyer I was told that my mortgage payment was increased and I should receive a statement in 10 days ( again ) detailing what the increase was due to. The escrow department stated the increase was due to negative escrow due which does n't make sense since the reinstatement letter accounted for all that in it 's breakdown.     My monthly payment was {$1600.00} and was reinstated and to date I can not get a mortgage statement reflecting that payment nor an explanation of why they are trying to increase my payment by over {$900.00} per month on a fixed rate loan.
I filled out an online application for a Wells Fargo credit card on XX/XX/2018 and received a letter dated XX/XX/2018 denying my credit approval on the basis of Not a permanent United States resident. I've been in the United States for approximately 15 years, I have a SSN and have had several credit cards in the past, I even have a current bank account with Wells Fargo. I'm originally from XXXX, but I am a permanent resident of the United States and have gone through the proper channels to obtain my permanent resident card. I believe the reason they denied my application is discriminatory and violates the National Origin category of the ECOA.
I received a pre-legal notification letter from midland credit management on XXXX XXXX, XXXX. I owe a XXXX credit card debt of {$730.00}. I called to ask them for a lower settlement amount. On their website, I saw that it could be settled for {$300.00}. The person I spoke with told me, " there are no deals. I can put you on hold but we do n't make deals ''. I asked her why the website says there are settlement amounts. I told her I ca n't afford {$300.00}. I lost my second job. I told her I might as well file bankruptcy. It 'd be cheaper. She then began to tell me about my bankruptcy in XXXX and how I ca n't file again.. she was rude, vile, hateful and unethical. I called to settle a debt by payments or a settlement and I wound up berated. She asked me which attorney I will be using. I told her XXXX XXXX in XXXX XXXX, mo ... I called back later to talk to a different person but spoke with the same one. She said the account is now in litigation. How is this possible? How are they allowed to speak to people in the manner they do? They are ruthless.
I was contacted by XXXX in XX/XX/XXXX about my social security being apart of the XXXX breach. I was told by XXXX to order a copy of my credit report and review it and the all collections and accounts are correct. In XX/XX/XXXX I contacted XXXX  about a collection from Southwest Recovery Systems account number XXXX in the amount of {$5500.00}. I made numerous attempts in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to southwest recovery systems to see if they  could send me proof that this was my collection and account. I was unable during those months to get in contact with the company as the line would disconnect every time after the third ring. I contacted XXXX who then requested a police report. I made a police report with the city of XXXX in month of XX/XX/XXXX. I was able to get in contact with Southwest recovery to send me verification of this account with XXXX XXXX XXXX. On XX/XX/XXXX I received an email from a XXXX XXXX who works at Southwest Recovery Systems. She sent me over a pdf of my account detail bill with resource property management. I do recall going to court with this company back in XX/XX/XXXX. I had a judgement in the amount of {$2600.00}. This amount included rent for XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} and legal fees of {$150.00}. There are also two late fees in the amount of {$230.00} & XXXX for XX/XX/XXXX & XX/XX/XXXX but I was no longer living at the address as I was ordered by a judge to vacate in XX/XX/XXXX. I moved into my apartment at XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX sent a detailed bill for {$5100.00} But southwest recovery systems has placed a collection for {$5500.00}. Both amounts are incorrect. The {$5500.00} has not been corrected by XXXX XXXX XXXX. The correct amount to be reported is {$3100.00}. As of today this amount has not been corrected.
XXXX is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and XXXX   numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.
Hello, my name is XXXX XXXX. As I've gone through the accounts and collections listed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. 
Thank you
My complaint is in regards to an investigation by EQUIFAX and a recent claim dated XX/XX/2017 regarding account # XXXX which XXXX claims to have verified, and that I owe them in the amount of {$64.00}. I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they have sent me was a statement. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. They inform that they have requested that the consumer reporting agencies report the account as disputed, but they have not provided " validation '' of the debt. Therefore, they have broken the law by not validating said debt. 

On XX/XX/2017, Equifax informed that they have researched the collection account # XXXX and the results are that they have " verified '' that this item belongs to me and that additional information has been provided by the original source regarding this item. Again, I have never signed any contract with XXXX who have failed to validate this debt and confirm that I owe them any money. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX
On XXXX XXXX, XXXX, I received a wage deduction summons from the XXXX Court of XXXX County IL for a debt to Discover Bank in the amount of {$9700.00} plus cost for a total balance of {$15000.00}. 

I do not owe this debt as it is not my debt. My mother, XXXX XXXX was the primary account holder for the Discover account. I was merely an authorized user on the account. My mother filed bankruptcy in XXXX XXXX and Discover was listed among her creditors with an amount owed as {$9100.00} In XXXX XXXX, this debt was discharged. Please see attached documentation. Discover is illegally trying to collect on a debt that I do not owe. This is an unethical practice. Any assistance the CFPB can provide in this matter would be greatly appreciated.
XXXX XXXX XXXX sent me a notice that I received on XX/XX/2018 stating that a payment would be automatically debited from my account on XX/XX/2018 and that if I wanted to change the payment, I needed to contact them at least three business days prior to the debit date. I called, and they said there was nothing they could do about it. I lost my job and can not make the payment. Also, they are printing checks against my account, not just debiting my account.
I made a timely payment to XXXX Bank for my XXXX credit card payment beginning with XXXX. Due to an error on their end it was not processed and incorrectly reported to all credit bureaus. XXXX Bank agreed to notify all XXXX credit bureaus to remove the late reporting on my credit report and issued a letter on XXXX XXXX, 2015. I notified Experian on XXXX XXXX, 2015 and on XXXX XXXX, 2015 to remove this incorrect information from my report. I also called them and uploaded the letters from XXXX Bank on their website. Despite numerous requests they have not removed this information from my credit report. The other XXXX agencies XXXX and XXXX have removed this information as of XXXX weeks ago. These actions by Experian are in violation of the credit laws established as they have not adhered to the XXXX or XXXX day deadline from my XXXX/XXXX/15 notice. Please have them correct this immediately. 

XXXX XXXX
On XXXX J C Penny states that an application for a credit card was submitted for me to get a J C Penny credit card. The problem is I never apply or fill out an applicatiuon for the alleged credit card. They could not tell me if the it was applied for in the store or online. J C Penny would have needed my personal information and i never gave them that. I XXXX had a J C Penny card but when it was paid off they closed the account and since i paid them i felt that they did not want me as a customer so i did not want another J C Penny credit and would never apply XXXX. I have put a fraud alert XXXX my credit reports because of stuff like this.
On XX/XX/XXXX I opened a car loan with Santander and it became delinquent around XX/XX/XXXX ... I requested for it to be repossessed in XX/XX/XXXX. Now Santander Consumer Usa the loan servicer keeps changing the date of 1st delinquency on my credit report every year and adjusting the deletion date. It should have been deleted XX/XX/XXXX. Everytime I request the info from Santander and credit bureaus they say it can not be verified and Santander wont give me any verification of the loan. Today, reported the first day of delinquency is XX/XX/XXXX, which is inaccurate. I need this to be verified and deleted. I have requested several times for this to be verified and corrected but to no avail. Santander Consumer USA has committed fraud against me by changing the dates on the documents everytime I disputed it with the credit bureaus and the amount due.
On XX/XX/2016 I opened a {$500.00} credit line with XXXX and I failed to make one payment on time out of 21 payments and they dinged my credit. Ive been in good standing with them ever since and its still on my credit report! I have just gotten married and am looking to purchase a home soon and I need help getting this off my credit! This is affecting my credit and is making it harder for me to do what I need to do. Can you please help get this off my credit history!?
I have sent letters requesting documentation about accts if theae accts are verified i would like documentation that they received to verify sent to me for verification. These accounts are incorrect and Equifax. Has not removed info or verified information like i requested. There is a bankruptcy and 2 XXXX XXXX acct. All i asked for is for this information be verified and if not remove items.
To Whom It  May  Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by : 1.   XXXX   XXXX   XXXX   -- Unauthorized Credit Inquiry ON DATE :  XX/XX/XXXX  2 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON DATE :   XX/XX/XXXX ,  XX/XX/XXXX  3.  XX/XX/XXXX -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX   4.  XXXX  -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX   5 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX  6.  TOTAL MERCHANT SERVICE -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX  I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.  <P/> I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.  <P/> If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.  <P/> Thank you,  XXXX   XXXX   XXXX
A refusal of a bank to refinance a maturing 2nd mortgage with a predatory balloon payment. The mortgage holder ,a senior citizen  never missed a payment for 15 years and can continue to pay monthly principal and interest payments until the sale of the house.This is the same bank that ripped off it's mortgage holders in a forced place insurance scheme class action scam.  I am part of their New fee scam. In XX/XX/XXXX XXXX XXXX XXXX made a consumer loan to me never mentioning the pending balloon maturing in XX/XX/XXXX.A New local loan officer  in XX/XX/XXXX called me warning me of my pending foreclosure. She suggested I apply for a modification borrowing not the current amount of XXXX but $XXXX principal. After several weeks I was denied the modification on the basis of too many inquiries(all the inquiries were made by XXXX XXXX),outmoded and arbitrary loan ratios,and the loan the bank made in XX/XX/XXXX.Now the bank has started foreclosure.Dreams of anew fee scam are dancing in their heads.I wrote the president of XXXX XXXX XXXX alerting him .Never a reply. This bank is corrupt from it's head I expect much false witness against a me from this bank. .