WillisBack/dataset-financial-user-claim huggingface dataset:
Applied for a conventional mortgage in XXXX for a new home. Lender said I had a previous " Forclosure '' on my credit report. I have limited time to qualify for this loan in order to close on my new home, which is scheduled for XX/XX/XXXX. 

The mortgage servicing company, XXXX XXXX XXXX, is reporting that my " account was paid for less than full balance '', indicating that there was a forclosure and short sale. This is innacurate as the loan was indeed " paid in full with no balanbce due I have provided the HUD-1 statement from the sale of the subject property, and the payoff letter from from XXXX. I have contacted XXXX, who confirms that there was a forclosure started, but it was retracted since the loan was " paid in full with no short dale '' and that the payoff was not due to foreclusure. 

I recieved notice today from Equifax that they have completed my dispute regarding the inaccurate Information on my report. They said they confirmed the information, stating that the " Account ( was ) Paid For Less Than Full Balance ''. 

The lender said that this inaccurate reporting will prevent me from obtaining the loan necessary to close on my new home. 

I am enclosing all pertinent documents, showing that the XXXX reporting on my credit report is inaccurate. Their reporting is, and has been causing me financial harm. Please help me. I have done everything I can to get this corrected, and don't know where to turn.
I recevied a credit card offer from First National Bank of Omaha for 0 % APR on balance transfers for the life of the balance with no annual fee. The balance transfer portion of the account was re-priced to 17.99 % with no prior notice. I had no late payments or over-the-limit transactions. A notice of a {$49.00} annual fee being imposed on the account was also received on XXXX/XXXX/15. I believe these actions are in viloation of the Unfair and Deceptive Advertising Practices Act ( UDAP ), and I 've closed the account.
i found that this account is not belong to me and i found that this account is damaging my financial life
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
BANK OF AMERICA XX/XX/2016
I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/2018 that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies.
Earlier this month I contacted Chase through my/their credit card card web site and initiated a request for a credit line increase on XXXX of the XXXX I have through them. After some back/forth correspondence through the site, I was advised I was approved for the XXXX increase requested and would receive a formal letter latter documenting the approval. 

Well when I got their letter I was then informed though the XXXX increase was effected on the XXXX card ..., they were reducing the credit line on another by XXXX. Essentially not providing me any increase collectively on the cards. 

I contacted them by telephone and spoke w/ XXXX different people and requested they restore the XXXX reduction they took from a card not part of my beginning correspondence w/ them. They refused ...., yet suggested I could go back to what it all had been previously. I told them that was not a satisfactory resolution. 

Per their behavior, do I have a basis in any of the consumer laws to file a complaint against them and seek redress?
Took out a loan on XXXX/XXXX/XXXX. Had a death in my family and extensive medical bills and notified them on XXXX/XXXX/XXXX that I had done research on their loans and that they are not legal in Illinois. At that time, I also advised them that I was revoking my ACH authorization and revoked my authorization to contact me via phone and revoked my authorization to contact my references. Received a phone call at both my office and cell phone number on XXXX/XXXX/XXXX. Called them back and reiterated my revocation of ACH and contact. They attempted to debit my checking account via ACH again on XXXX/XXXX/XXXX by which point, they should have been able to stop ACH withdrawls. They contacted me again via phone on XXXX/XXXX/XXXX as well as contacted my references.
I have had an American Express ( AMEX ) credit card since 1979 and have been happy with the service until my recent change to a new AMEX card that offered 'no interest for 15 months on balance transfers '. I was not told during my telephone application for this card that there is a THREE PERCENT CHARGE ON BALANCE TRANSFERS. XXXX notwithstanding, I believe that it was deceptive to offer me a " no interest '' balance transfer and fail to mention the three percent service charge.
Re: Refund of Two Checks Causing Overdraft in my CHecking Account
XXXX
/
Sent


XXXX XXXX 
To: Selenefinance Customerservice
,
XXXX XXXX

XX/XX/XXXX at XXXX XXXX



On Wednesday, XX/XX/XXXX, XXXX XXXX  EST, XXXX XXXX  wrote:


XXXX XXXX XXXX XXXX XXXX, NJ XXXX 

XX/XX/XXXX



Selene Finance	XXXX XXXX XXXX



Re:	Error checking account $XXXX Overdraft today



I found you had taken over XXXX out of my checking today when I only authorized the usual $XXXX  payment. I am overdrawn $XXXX now and want o know why . Called phone and spoke to XXXX. Now will call XXXX XXXX XXXX.


Accidentally caused XXXX XXXX XXXX to send out three paper checks for mortgage this month and you cashed them. Thereby causing my checking to be $XXXX Over drafted as of today. They were for new amount effective XX/XX/XXXX of $XXXX, XXXX and the old amount of $XXXX.


I need the excess  checks to be refunded to me in $XXXX  and $XXXX. That will make my checking account back to normal and right. Called XXXX XXXX XXXX after finding $XXXX overdraft in checking. They said could not help me to call Selene.

Today I called Selene and spoke to XXXX on XXXX and he said he could not find those payments in my screen. Called XXXX in Arizona at XXXX  XXXX and she said I needed to get fixed with Selene. Second time called Selene and got XXXX. She listened and tried calm me and said she would check with supervisor on this. They will send up accounting request to fix this and get accounting back to rights.

They need me to send details in email.


XXXX XXXX XXXX


CC:    BBB, XXXX Complaint


Selene Finance LP 
ATTN: Customer Service Research XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX US

XXXX;


XXXX XXXX


XX/XX/XXXX XXXX XXXX customer support called and wanted to know if I had idea when the two check would be reversed. They are waiting on that to help me with overdraft fees and bouncing checks situation.


I havent heard back from you at Selene since I called and sent email a week ago on XX/XX/XXXX. Same day I sent the BBB complaint that XXXX also got. Can someone get back to me with an expected date for refund of the two checks I requested. Thank you.


XXXX XXXX  

XX/XX/XXXX XXXX 

XXXX will call back tomorrow and see if I find out when to expect the credit to be in my account. *I hope to have some definite answers for them by then. Still no reply from you as of today. XX/XX/XXXXXXXX.






Settings

XXXX XXXX XXXX




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Few years ago my mother, XXXX XXXX, contacted Chase Bank to ask for an Authorized User Credit Card for me, because I was going to college. I just found few months ago that Chase Bank has been reporting this account in my credit as a join account. How that could be possible? I never signed any documents authorizing that. Since I got the card I tough it was being reported as an authorized user account. I have contacted Chase several times asking them to fix this issue. Their answer is : " There is nothing we can do, sorry for the inconvenience ''. Really? 

Here is the account information : Account # XXXX ( do not have the last 4 digits ) My SSN is XXXX
XX/XX/XXXX - Submitted debt validation in writing. Company originally removed from credit and the replaced back without written notice.

XX/XX/XXXX - never received written notice to validate debt.

XX/XX/XXXX - currently reporting that the debt is refinanced. How do you refinance a collection and incorrectly reporting amount.
This issue began last year,XX/XX/XXXX around this same time. I got into some financial troubles so fell behind on payments however each time I was contacted ( at this time only once per month ) I spoke with the rep and expressed my desire to NOT have the credit line closed and that I would make payments to catch up. Fast forward to XX/XX/XXXX, I made a {$300.00} payment towards a {$580.00} balance, it was only AFTER the payment was submitted and my credit report updated did that company then state the account was closed by consumer and they would not reopen, Ever since making that payment I have since been called on a DAILY BASIS! After SEVERAL requests to not be contacted and that I would cover the balance as soon as possible, They have since continued to call and recently started to contact my family members in regards to this account. They refused to remove the report stating I asked for the account to be closed which is a blatant lie, yet they continue to harass me day after day by leaving voicemails constantly.
On XX/XX/2018, I disputed an account with TD Bank NA that is on all of my credit reports. Thirty-three ( 33 ) days later, TD Bank authored a letter in response to my dispute, which they received and stamped received XX/XX/2018. 

TD Bank dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. TD Bank also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business. 

On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed. 

I am also including a copy of my credit reports showing that the account is still listed as my account. 

On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements. 

The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies. 

I am providing evidence to corroborate my statement that TD Bank NA has violated the FCRA and FCRB and did not provide me within the thirty- ( 30 ) day time frame as required.
I recently went to draw XXXX dollars out of my account and the atm only gave me XXXX dollars but XXXX was still taken off my card along with the XXXX charge for using the atm. I followed all the steps I needed to I sent them a copy of the receipt showing the proof only to get an email back saying they are n't giving me back my XXXX they never gave me but took that they do n't see anything wrong. This is the 2nd time I also had a XXXX taken from me from a hotel I have NEVER even stayed at. I support XXXX people so I ca n't afford to have someone take over XXXX dollars from me in a month. Can you please help me they been giving me the run around for over a month now.
I have called on behalf of my XXXX XXXX ( XXXX ) and maintained contact with the servicer, Great Lakes, indicating I am still unemployed and can not pay the requested payment amount. I called recently because my payment went from an agreed upon $ XXXX/month to $ XXXX/month. I CAN BARELY AFFORD {$75.00} ... much less the more than quadrupled amount due. When I called and asked for income based repayment, they said they could not offer me any reduced payment options " they 're hands are tied because it 's a not-federal loan ''. I said I could not possibly make the full payment but had already paid the {$75.00} and now this month I have seen my credit score dropped XXXX points again. THIS IS REVOLTING!!! Without credit in this country ... a human ca n't live! 
Please help?!!? They are bullying me! Please also note the attachment from an email whereby the creator of the loan from XXXX agreed that Great Lakes was not doing an adequate job of servicing me. Yet he did n't do ANYthing about the extra fees & interest piling up on my account during that time!
I noticed on my credit report very old accounts from a Student Loan company. Im not familiar with the accounts, but, nevertheless it is required by state law that no debt is reported longer than 7 years. These accounts were opened in 2010 which means they should be much easier to remove from my credit profiles ( Equifax, XXXX, XXXX ). The accounts are as follows US Dept Education XX/XX/2010 Balance {$4400.00}, US Dept Education XX/XX/2010 Balance {$9700.00}, US Dept Education XX/XX/2010 Balance {$12000.00}.
I already reached out to the credit bureaus and to XXXX XXXX for the account number XXXX and XXXX XXXX XXXX for the account number XXXX, notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
I applied and was approved for the American Express Business Platinum XXXX point offer via a mailing offer for my XXXX XXXX on XX/XX/XXXX. The offer terms dictated that in order to earn the bonus, I must spend $ XXXX in the first 3 months to earn XXXX Membership Rewards and another $ XXXX in the same 3 months to earn an additional XXXX Membership Rewards. I met both terms within the directed time period and was awarded the points. 

I applied and was approved for another American Express XXXX XXXX XXXX point offer via a mailing offer for my XXXX XXXX XXXX on XX/XX/XXXX. The offer terms dictated that in order to earn the bonus, I must spend $ XXXX in the first 3 months to earn XXXX Membership Rewards and another $ XXXX in the same 3 months to earn an additional XXXX Membership Rewards. I meant both terms within the directed time period and was awarded the points. The offer terms are attached. 

At the end of XX/XX/XXXX, American Express conducted a financial review and stated that because I previously had an American Express XXXX XXXX XXXX, I was ineligible for the second and third bonus I was awarded and they redacted the XXXX points I earned. No where in my offer terms for the mailing offers I signed up with did it include a " once in a lifetime '' award term. American Express refuses to review the offer terms I scanned that were included in the mailing offer.
This is formal complaint to express my disappointment with the lack of service provided to me from Chase Credit Card Services after explaining the following complaint with a merchant. 
Merchant : XXXX XXXX XXXX XXXXOn XXXX -- I held my son 's XXXX party with the merchant listed about. The complaint is as followed : A written statement was sent to inform merchant of my negative/positive experience with the food and services that I paid for on XXXX. First the food was great, however, I am very disappointed in the level of service that was provided. Per the contract, the staff was to look after my party and refill buffet food accordingly especially when XXXX XXXX imposes a mandatory 20 % gratuity/Service charge, I expected the service to be great and up to par. Unfortunately, the initial service by the staff was unsatisfactory and was not meet per the contract. Listed below is a quick summary as to why : -- - The waitresses at the beginning were not attentive to my guess -- drink service and refills! Staff did not notify my wife or me when the food was ready so we were not able to inform our guests that they could serve themselves My guests made their own decision as to attending the buffet which is unacceptable. 

-- - Merchant informed us per the contract that someone was going to be alert and keep an eye on the food so when food was running low more food would be put out. We ran out of the XXXX more than XXXX and it took almost XXXX minutes for them to be replenish. -- -unacceptable. brench of contract -- - Also at the beginning when we first arrived the waitress introduce herself and stated that she was going to be with our party, but when we were ready to order some pitchers of beer and our guest trying to obtain refills they were nowhere to be found. This was frustrating to my guests and embarrassing to me. At the end the waitresses were there and they were doing their job and even help cut the cake, but by this time the negative experience outweighed the positive XXXX. 

Overall our experience was OK, if XXXX is going to implement a mandated 20 % gratuity/service charge we expect 100 % service not 80 % not 70 %. At a minimum I would expect some type of adjustment to the fee/tip. Again, the food was great, but the initial service was unsatisfactory which made my husband very unhappy and was embarrassed by the actions occurred. 

Respectfully,
This is a contnunation of the previous complaint filed with you on XX/XX/XXXX. # XXXX-XXXX. That complaint was with XXXX which is the tail end of this whole situation. Originally XXXX XXXX XXXX XXXX. approved a HELOC in the amount of {$46000.00} on XX/XX/XXXX. Loan # XXXX. The only payments shown on the payment history provided by XXXX, account # XXXX, were in the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX. However, XXXX did not receive this account as delinquent until XX/XX/XXXX. I believe the reason for this action and no record of these payments, being taken 8 yrs later is because, initially I made at least 5 yrs worth of payments to the mortgage servicing companies but my loan was transfered several times during this period. XXXX XXXX XXXX  XXXX. was sold to HSBC XXXX XXXX XXXX, XXXX, VA. Account # unknown because Hsbc filed bankruptcy and have no record of this loan. Then my loan was serviced by XXXX during that time but in XX/XX/XXXX, the District Court of XXXX found that XXXX XXXX XXXX was found negligent in their servicing practices and was ordered to pay {$30.00} XXXX dollars in various types of relief to the borrowers that were paying on their loans from XX/XX/XXXX to XX/XX/XXXX. Again, there is no record of the payments that I made other then what XXXX provided. But also during this time period, After HSBC went bankrupt, my loan then became serviced by XXXX XXXX, whoever they are, but they also have no record of this loan or any payments made. I don't know what happened to this loan anywhere that I can find but there is 6 pages of what was recored with the XXXX County Recorders Office in XXXX XXXX, CO. BK XXXX, PG XXXX. This filing did not include any of the details of this loan. The only verification of the terms of this loan were provided, with your previous help, by XXXX who has since been bought by XXXX. And it was unfortunate that I had to contact your office to even see what thus loan consisted of and it's terms. Had I been made aware of any of this I would not have let this loan default to become property of XXXX to collect this debt. As you might recall, during this whole time period, there were many scams and scandels confronting the mortgage industry. I don't know if I was a victim of this. I am filing a claim against XXXX along with the thousands of others to see if I was in fact this had any bearing on how my loan was handeled. The original property that was used as collateral for this HELOC is presently in litigation for other reasons. However, the findings from this complaint could determine whether I have to let my home go into foreclosure or if I have to file bankruptcy. Thank you for any help you are able to provide.
I have tried on multiple occasions to resolve this situation with XXXX who bought a old debt of XXXX that was left from an apartment that I owed 3 months rent on. They have continued to increase this amount from a frauded XXXX to XXXX which is unethical and wrong I have also tried to fix this situation with transunion and XXXX  and have had no resolution because they don't try to help you because they don't understand and you can't understand them. I asked where I have been calling because I'm getting horrible broken English and can't understand them they just read scripts and the representative told me XXXX. This whole situation is frustrating and unnecessary.
I received my XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. For years I 'd proactively call to set up arrangements which I could afford. Rather than lowering my payments they kepto offering forbearance. Just recently they started offering the income based however now my loans have more than doubled and I now owe {$190000.00} in student loans. They recently recalculated my paymentsong at {$1900.00} a month and when I complained they lowered it to {$900.00}. I 'm XXXX yes old and there 's no way I can pay these off before I die. If they had given the lowers payments when I first asked many years ago, I could have them paid off and not accrued so much interest. In previous years they would never lower payments.I feel like this is predatory lending. With being a single parent with such high payments I felt like I had no choice but to put them in forbearance. Please help. XXXX XXXX. Navient customer
XXXX   XXXX . I have Attempted to verify debt. But instead they just switch it to one of the  6  or so other companies they own and have them start harassing me instead of verifying debt. Basically they keep passing it around.   I first tried to get this verified in  XXXX  of  XXXX  and I did not hear anything for a while. Again I tried to get it verified last ( 60 days  )  from an online monitoring program and have yet to receive any verification. Instead a letter threatening to sue for a debt that they have yet to verify is even mine to begin with.   Never providing verification of the debt per FTC guidelines. When I look at my credit report they also have it as a new account. I never entered into any business with them. Per the rules of the FTC if there is a debt it needs to also be reflective of the  ORIGINAL  creditor. Instead they are making up dates as they go which negatively effects my credit rating.