WillisBack/dataset-financial-user-claim huggingface dataset:
Chase mortgage has committed multiple infractions of law while servicing my mortgage recently to include UDAAP violations, FCRA violations, violated bankruptcy laws, and FDCPA violations. Chase has re-analyzed my escrow account 3 times in XX/XX/XXXX which caused a 30 % increase in my payment in a 6 month period and did not provide at least XXXX notice of the payment change. The explanation given to me initially was that RESPA required Chase to perform the new analysis whenever the disbursed funds from my escrow account. It seems that Chase re-analyzes accounts whenever they disburse funds greater than projected to protect there pocketbook rather than consider the negative impact on the customer by constantly changing their payment with insufficient notice. Chase also reported my mortgage ( XXXX in Chapter XXXX bankruptcy in XX/XX/XXXX ) to the credit bureaus as an open personal obligation and has gone as far as to verbally confirm that same information to a credit company obtaining information in connection with financing I am trying to secure as well as stated directly to me that I owed a monthly payment on the loan. I have been harmed by these actions by being charged a higher interest rate and fees on a refinance I am trying to secure to escape the abusive practices of Chase which very easily could result in multiple class action lawsuits.
I 'm not sure what debt he was calling about, but someone named XXXX calling from XXXX called the secretary 's office at my work, tried to get my personal phone number, and left a message saying he was a creditor and that he needed me to call him back immediately. He also left an account number.
I received a text from this company saying they were US Bank and I was authorized a loan amount of {$9000.00}. All I needed to do was call his number. Well after what just happened to me I XXXX this info and got the actual bank finding out there was no branch within XXXX miles of this state we called the number conference call and questioned him as to the validity of his claims to being a member of this bank. He then got belligerent with myself and the actual loan officer of the real US Bank and hung up. He did not get money from me I have already closed my checking account do to the previous fraud so I am reporting an attempted fraud by this fraudulent company.
My title company, Stewart Title, came back to me 30 days or so after settlement and said that my deed had been rejected from the county because of insufficient funds for taxes. The title guy tells me I have to pay the amount ( {$710.00} ) or the deed will not be processed. Basically they screwed up my HUD 1 cost sheet, and now I owe more money than I initially planned for. They are not offering any discount or even apology. What is my responsibility? Do I have to pay? Is n't the title company responsible for " getting it right '' at settlement? Is n't that why I pay them the title fee?
I have had repeated robocalls from Mercantile Adjustment. They will not stop calling - supposedly you can leave a message but it never allows you to do so. It is not even my collection!
It 's actually XXXX of the above. This number calls me 3 times a day, one of the calls coming between XXXX to XXXX, and I 've had to resort to using a call blocker app to not have my phone go off during class.
The correct high balance that was sent to the collection agency has not been reported. The collection agency reported a different amount than what the documentation says. The collection agency did not report the amount that the original creditor provided them with. The collection agency reported XXXX different amounts of {$950.00} and {$1.00}, XXXX. The company is named reliant capital solutions llc.
On XXXX XXXX, XXXX my car was repossessed at XXXX. I commute from XXXX to XXXX daily, and subsequently had to take off work. My work computer and room keys were in my vehicle. I was told the vehicle was being taken XXXX hours away. The XXXX repossession specialists charged me XXXX dollars cash to get my items from the vehicle. I was exactly 60 days late on a partial payment. My car note was XXXX dollars a month with a 22 % interest rate. The car was purchased XXXX XXXX, XXXX.At the time of the loan, I had a credit score of XXXX. I believe that Honda Financial/XXXX XXXX XXXX XXXX discriminated against me as an XXXX woman and charged me excessive interest, and also ran my credit numerous times, which actually lowered my credit score. The dealership was attempting to get a loan that was thousands above the car value and was refused by several banks. I was told that my " low '' score was the reason the interest rate was so high, and that I could refinance when my credit score went up again. I was not aware of the large negative equity until after the vehicle purchase when the credit denial letters came in the mail. I was not able to refinance the vehicle because of this negative equity situation. Now, Honda Financial is reporting a repossession on my credit, and the past due balance as XXXX dollars, which is two payments ... when the car was repossessed for a past due amount equal to one payment and a little less than half of a payment ( XXXX dollars ). I paid them thousands of dollars for over a year. I received a letter on XXXX XXXX XXXX dated XXXX XXXX, XXXX stating their intent to sale the vehicle in a private sale and seek the remainder of costs which currently equal XXXX more than the value of the car. I am also a military spouse. This is my third XXXX ; but the first purchased in XXXX. I believe Honda Financial has a history of discrimination, and dealer markups directed at minority consumers in this area. I am also certain that the repossession was also discriminatory. I believe the Department of Justice abd the Consumer Financial Protection Bureau, along with other regulatory agencies should investigate the pattern of Honda Financial Repossessions and predatory lending practices. After, I told XXXX in the recovery department about the completly unprofessional manner in which my car had been repossessed, and my belief that I was discriminated against ; he asked that I fax proof of insurance/pay stub. I did this, but heard nothing for weeks. On XXXX XXXX I received a phone message stating that they were making a last attempt to return the car to me??? Still ... nothing in writing besides the letter about the private sale and a notification of 60 days to collect any of my possessions from the vehicle. There were multiple layers of problems with Honda Financial/XXXX XXXX from the sales tactics/pressure, to the taking out the loan, to the repossession.
My File number is XXXX To whom this may concern, Trying to read all my credit reports and scores from the credit reports. XXXX, Experisn And XXXX. The page kept saying inactive status and needs to close. Not the word for word on how error was given. Time out. I didn't even get a chance to go over everything in all 3 Reporters plus the Annual credit report. 
Not given the chance to dispute all the Incorrect information I did see. Many investigations on existing very old problems nurmgouse dates already done. Imporoper use of my reports shared without my consent. Credit inquiries from unknown sources more than once without my permission. Many unknown collectors I haven't a clue what they are. Wrong addresses and phone numbers in my credit reports as well as places of employment I have never worked for. Many Consumer reporting agencies reported outdated negative information as well. 
It's a wonderful anyone would give me credit! Very disappointed and extremely upset my credit reports of what I did see was a complete mess! 
I do have a right to read all of it and try and fix it as much as possible and get it more presentable for when my report is looked at that perhaps I got a better chance without someone else 's stuff on it. 
Inaccurate information put on my credit report as done has cost me a lot more than realized. These reporting agencies are crazy mad it seems Please if someone could possibly get back to me ASAP it would be so appreciated. 
Thanks so much! 
I will be writing/calling XXXX  Consumer Relations regarding this.
I have a mortgage with CIT/OneWest Bank. When I applied for the mortgage, they assured me that once the mortgage is in place they provide 24 hour web access to the account. However, within a few weeks of my having received the mortgage, online access was gone. When I try to login I get message " System Error. We 're sorry, but an unexpected system error has occurred. We are unable to process your request. '' This has been the case since XXXX or XXXX 2016. After what probably adds up to hours on hold and with their agents, they finally told me that the error was due to a " system upgrade ''. Since XXXX I have been repeatedly told the problem will be fixed soon. I have been promised a call back from a manager, which never came. When I call about it now they just tell me that it is a known error. There is no sign that this problem will ever be fixed.
I am writing to dispute the following information in my file. I recently received a copy of mycredit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have thes e 15 in quires removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order
I paid all of my debt off on my credit report and XXXX company ( AR Resources ) has not reported it paid, so it 's still showing open and it 's hurting my credit.
After being approved for a JC Pennys account through XXXX XXXX, I was unable to access my mail to receive my new card due to Hurricane Harvey. I explained this to SXXXX XXXX, asking if they could send another card to my temporary address. They declined because it was a " new account ''. Instead, they closed the account. I did not ask or authorize them to open another account. That was never discussed nor requested. 

I also requested Synchrony to cancel my application for the XXXX and XXXX XXXX credit card because of the hassle they were giving me. They did not In XXXX XXXX  store, I applied for credit. The store connected me with a representative from XXXX XXXX. I explained to the sales guy at XXXX and the representative on the phone that I did not want credit through XXXX XXXX and I only wanted XXXX XXXX credit ( which was approved ). I received a credit card from Synchrony almost two weeks later. I immediately contacted Synchrony via certified mail and phone asking them to remove that account. It should have never been opened. 

As a result, XXXX XXXX is reporting several accounts on my credit report. 
( 2 JCPenny XXXX, 2 XXXX accounts, and 2 XXXX XXXX accounts ). This is affecting my credit because it looks as though I have numerous account. This is not true and therefore is not in compliance with The Fair Credit Reporting Act, 15 U.S.C. 1681. They are reporting accounts as closed due to lost or stolen credit cards. I have NEVER reported any cards as lost or stolen. 

I never applied for second accounts nor request for them to. I never received cards for the accounts nor authorized anyone else to.
I paid off a debt item in early XXXX 2016. I was told my credit report would be updated at the end of the month to reflect the credit was paid in full at that time. I had my report pulled a couple days ago and the item is still showing that I owe the full amount.
Was charged for installed equipment on garage door that I never requested. In fact, on the bill from XXXX XXXX XXXX XXXX XXXX, company acknowledges that I did not call them to do the work and that it was instead a person who lived " next door '' who summoned the company to fix the door. This debt is now being sent to a collection agency even though I never requested the services in the first place.
On XXXX XXXX I received an email alert from Wells Fargo that my checking account balance had fallen below zero and was now XXXX, previous balance had been XXXX. This represented a XXXX dollar transaction! I immediately went online and found that a withdrawal of XXXX was posted to my account as a " XXXX XXXX XXXX ''. 

Subsequent correspondence indicated Wells Fargo had offset my personal funds to accommodate a business loan my ex-wife ( 5 years divorced ) had accrued. Her business was organized as an LLC and personal funds were not to be co-mingled in paying off the business debt. The offset of my personal funds to pay off my ex-wifes LLC business dept is fraudulent and illegal.
National Business Factors through previous complaints with CFPB has agreed to delete this item from my credit file. This dispute has been going on since XX/XX/XXXX and more recently through a letter sent to National Business Factors ( which have gone unanswered ) via certified mail received on or about XX/XX/XXXX.

XXXX  and XXXX as of late XX/XX/XXXX state National Business Factors have verified the information is reporting correctly on my credit report instead of deleting the item as National Business Factors have promised.

I did receive notice from XXXX  that the item was deleted on XX/XX/XXXX.

I am willing to try this one more time ( 30 more days ) to allow National Business Factors to DELETE this item from ALL my credit reports. However, at the end of the 30 days if the item remains on my credit reports I will be forced to file in Colorado Federal and civil court to enforce my rights under the FCRA and FDCPA. I was declined for a Mortgage partially due to this item on my credit report. I pay higher insurance premiums and have high interest rates on my credit cards because of this item. I have been financially harmed now in the hundreds of thousands of dollars and will seek damages in at least that amount as well as punitive damages.
There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.
i have been dealing with western union, XXXX on line for years and all hae sudden they have banned my name so I can not use the and refuse to tell me the reasonreason why
I was shocked when reviewing my credit report and found late payments on the dates below : 30   days late as of XX/XX/2018 and 60 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
I am not receiving the rewards points as advertised on roughly. For some reason they stopped after XXXX. I have made 4 phone calls and sent 4 emails. The Citi bank online chat is never answered, I have tried 7 times. 

They really don't seem capable of figuring out where {$1200.00} worth of points are.
On XX/XX/18 I was charged a balance transfer fee of {$52.00}. When I signed up for the credit card, it said there would be no balance transfer fees. I'd like the {$52.00} credited back to my US bank account. I emailed and called and they all said no. Please help. It is a us bank platinum credit card.
Mortgage broker did Credit inquiry on my credit report without authorization. 
Talked w/ husband heard him telling them not to do Hard pull, meanwhile I gave no XXXX authorization to do a credit check on me
The billing office for XXXX XXXX XXXX hired TransWorld Systems to collect on a medical debt from many years ago, which should have been discharged under my Ch. XXXX bankruptcy in XXXX of 2015. Although I believe I 've provided this information verbally to this company before ( I do n't have any dates written down ), the phone calls continued - usually multiple per day. I finally called again last week and after speaking with someone in the billing office who knew nothing about bankruptcy law whatsoever, I was referred to the billing office manager, " XXXX '', by the doctor 's office ( who, assured me that this should stop immediately ). XXXX refused to stop billing me if I did not provide a copy of my discharge paperwork ( even though this information is public record and they ARE a billing office ), so I faxed him a copy last week. After receiving, he left me a message stating that he would have the collection efforts stopped immediately. I have continued to receive calls from TransWorld Systems, attempting to collect on this debt, even after his voicemail to me. I received another call today, which is partly inspiring this complaint. I let TransWorld know that they should cease and desist collection efforts immediately per Ch. XXXX discharge, which was provided to the billing office. I called the billing office this morning again to speak with XXXX, and I 'm told that he 's out all week and no one else is in charge ; that they 're " all in charge ''. This is coming from the same woman I spoke to last week who has no idea about bankruptcy law. She then hung up on me when I continued to press her for who was in charge this week. This issue is causing me significant emotional distress - it was enough to go through the events that led to the bankruptcy in the first place and the bankruptcy itself. I have worked very hard to bring my credit back to good standing and this needs to stop asap.
BANK OF AMERICA , NATIONAL ASSOCIATION has for over the last three years done every conceivable thing one could do to insist that the debt IT is attempting to collect derives from a promissory Note secured by a Mortgage that was executed by XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, as Tenants by the Entirety, as Fee Owner ( hereinafter " Consumer '' ) on XX/XX/2006. 
Go to XXXX. 
The Note identified the lender as XXXX. The Mortgage stated the lender was XXXX., a corporation originated, and existing under the laws of California . 
Again, go to First Attachment. 
The disturbing issue here is the loan number that is displayed on both the mortgage, and the note is Loan Number : XXXX, with a Mortgage Identification Number registered with XXXX as : XXXX. 
Again, go to First Attachment. 
The loan number that is displaying from COUNTRYWIDE HOME LOANS, INCORPORATED dba/trade name BANK OF AMERICA HOME LOANS that provides residential loans in the UNITED STATES is : XXXX??? 
Go to Second Attachment. 
COUNTRYWIDE HOME LOANS, INCORPORATED dba/trade name BANK OF AMERICA HOME LOANS has never contracted, nor provided any kind of residential loan to the Consumer, as evidenced by the XXXX distinct, independent, and separate loan numbers as proven above.
I have contacted this credit reporting agency and collection agency numerous times regarding this alleged account. 
I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Collection agency and credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 e-OSCAR is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.
XX/XX/18- The representative of XXXX XXXX XXXX called me within my working hours to collect a debt. A third person called me, did not identify himself and then he transfer the call to this representative. I tried to explain him that I was in working and can not speak about my personal stuff in front of my co-worker, but this person insisted in talking about why I have not pay my account. 

This company uses the " legal actions '' against the customer..this company never answer when I call them to negotiate my debts. Never answer the emails, and when I request an investigation, never did it. This harassment has to stop.
I personally called the agency and we came to terms on a payment arrangement. I had explicitly asked them to only contact me concerning the matter after I heard they had contacted multuple parties that have nothing to do with the situation. They continue to contact other individuals that do not directly relate to the debt after we had come to this agreement to include my wifes employer, my employer, other individuals associated with my last employer and individuals i served with XXXX to 5 years ago.
It has been my observation that there is an apparent pattern on the part of my mortgage company ( Select Portfolio Servicing, inc ) of statement of being  behind in our payments of 2, 3 and even as of XXXX we are almost 4 payments behind. Upon XXXX I requested a payment history, which upon receipt ( 3 pages front and back ) were inegilgable, printed very small. Also reported that a money orders was not received, my requested bank statement from my bank showed differences from their payment history. This mortgage company has communicated to us that as of XXXX if this amount of {$2100.00} from the first mortgage has been paid, my account would turned over to their lawyers to begin foreclosure proceedings. I have remitted in payments in XXXX, XXXX, XXXX, XXXX, XXXX, and as recently as XXXX and XXXX of XXXX to cover any pass due payments, and in this year XXXX in the same months. This basis of my complaint.
TransUnion is reporting an account with XXXX which they say has a balance and that is not correct. There is no money owed to that company. Please help me.
I deposited a check {$5800.00} check into my Bank of America account on XX/XX/XXXX its XX/XX/XXXX and they cant tell me where my funds are and they blocked my account. It is theft. I call them and they transfer me to a person that transfers me to another person and the next. How does this bank get away with this?
On  XXXX / XXXX /   2017  in the morning. A criminal was using my credit card to make various purchases. I had my physical card in my wallet at the time. I do n't know how the suspect received my credit card number. All transactions were resolved and card account was closed.
On or about  XXXX   XXXX ,  2017 , the consumer, pursuant t o 15 USC 1692 a 3, did re ceive a communication without the prior consent from GC Services Limited Partnership,  XXXX   XXXX , debt collector pursuant  to 15 USC 1692 a 6. There wa s no express written permission from a court of competent jurisdiction attached.     On  XXXX   XXXX ,  2017 , the consumer mailed the debt collector a notice of the violation of the Fair Debt Collection Practices Act subsecti on 1692 c, to one of two locations provided on the letter from GC Services Limited Partnership. Due to the violation, the consumer issued an invoice for damages in the amount of {$2000.00} pursuant to 15 USC 1692 k a 1. The debt collector was given 10 days to respond.      A final communication, dated  XXXX   XXXX ,  2017 , was mailed with an invoice for damages in the amount of {$2500.00}.     The consumer communicated with GC Services thru  debt collectors   XXXX   XXXX  and  XXXX   XXXX  by telephone on  XXXX   XXXX ,  2017 , at  XXXX   XXXX  central standard time. The consumer inquired and attempted to communicate with  XXXX   XXXX , debt c  ollector, whose name is on the original communication.
Compliance with federal law pursuant to 15 USC 1692 by the debtor w  as not achieved.