WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I have owned a rental property for over twelve+ years. The mortgage was an ARM and the amount went up over the years that we had to pay monthly. The other expenses of the house also increased quite a bit, to the point where we were no longer able to pay the mortgage. Over the years we spent all of our savings trying to pay the mortgage thinking it would work out but it did not. We had to default about a year ago ( XXXX 2014 ) and applied for a loan modification. We were denied the loan modification because the lender ( Chase ) refused to consider the rental income from the property for no apparent reason. All they will say is that this is their " guideline. '' Also they insist on imposing a XXXX % " vacancy rate '' on other rental income we receive on other properties, when we have never had a vacancy rate anywhere close to that. This results in our income appearing to be vastly lower than it really is. We have now applied twice for a loan modification and were denied a second time for the same reason. Chase will give no explanation as to their reasoning. They seem to be determined not to give us a loan modification. They make up their own rules to suit their desired outcome. We are not asking for any debt forgiveness, just a lower mortgage payment. We have no idea why it would be so hard to give a loan modification. It would seem preferable to a foreclosure or short sale for them, but perhaps they have some hidden reason why they want our house. They are completely unreasonable and have been very difficult to deal with. They call us constantly, harassing us, when we were actually waiting on their decision. I take their calls and talk to them and it is always a different person who has no idea of the specifics of the situation, they are just calling to harass us.
sun trust is violating the frank dodd act and have threatened us with prosecution. We had property listed for sale and specified that the appraiser must meet state credentialing guidelines to stop these false appraisals where they violate the law by using non arms length sales for appraisal comps and by using foreclosures as comps. THis is a specific violation of the law. Our real estate agent objected to a non credentialed appraisal agent per our contract ( we did not name a specific appraiser to be chosen ) and Sun Trust turned around a named a specific appraiser ( violaion of Frank Dodd ) that did not meet contract stipulation of credentials and upon complaint they provided in writing a threat of moving to file a complaint for Our violating Frank Dodd and that we could face prison and fines. What the XXXX is going on here. The banks are manipulating and violating appraisal and Frank Dodd act and when objected to, they threaten the consumer. I want immediate action taken.
XXXX XXXX XXXX XXXX 2015 we transfered XXXX into the XXXX from my wellsfargo account after we recently sold our house and made our moved to Florida. I proceeded to change my address to a close family friend until our tenant was ready to move out of the condo we had rented. XXXX froze my account and asked me to come in the branch in XXXX XXXX and verify my information due to the change of address, which I provide my drivers license, social security card, birth certificate, power of attorney, title documents proving the sale of the house and an utility bill for the address where we where receiving our mail. They then decided to close my account for unknown reasons and told me I would have to get wellsfargo to reverse the ACH transfer to the account. I went to the Wellsfargo office and explained the situation to my customer representative XXXX XXXX which filed for a ACH dispute which XXXX proceeded to tell wellsfargo that they where working with me personally to get my funds back which was a complete lie as I would n't have pursued such actions if it was n't for their lack of communication and cooperation to return our money. Over six months later and XXXX still has our money and has made no attempt to return the funds that where transfer. I am going to file complaints with the pertinent government agencies, SEC, consumer affairs, XXXX, The complaint boards, XXXX, XXXX, XXXX and every other agency we can so this does not happen to anyone else. We are getting ready to file a lawsuit if they are not willing to fix this issue immediately as we have dealt with enough of this nonsense. It appears that XXXX is trying to rob me and my family of our hard earned money and we will not allow that to happened. This company can not be trusted, they recently lost a lawsuit filed XXXX VS XXXX XXXX by their own employees due to their practices.
My husband surrendered a vehicle that we jointly owned in his chapter XXXX bankruptcy. Before his confirmation, I contacted Chrysler Capital to see if they could put me on a program to pay back the arrears while I continue making payments on the car. The customer service representative said that the trustee in my husband 's bankruptcy case has not released the vehicle from the bankruptcy yet. I waited another week until I called again, this time I was sent to the bankruptcy department. The bankruptcy department immediately told me that I had to give them {$10000.00} in order to keep the car. I told them the vehicle has XXXX miles on it and could they work with me ; they told me no. A week later, I get a letter in the mail stating that I had better give them {$38000.00} by XXXX/XXXX/2016 or they will repossess the car. I do n't think that it is fair that they treat me this way, especially when I am trying to keep the only vehicle I have and protect my credit. 

Can you help me please?
I am reaching out to you in regards to a bankruptcy that was placed on my account by Equifax. I disputed it to Equifax in XX/XX/2018 for information regarding it asking them to provide me with a ) the name of the courthouse ; ( b ) the persons name you verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. In XX/XX/2018, they only provided me with the company 's name, address, and email stating that the information was accurate. The company they stated in which the information was collected from was a company in which I have a freeze on my account since XX/XX/2018 due to the credit breach in which my account was affected. Since, they are refusing to remove the bankruptcy from my records, I am reaching out to you for further assistance. In addition, I reached out to the United States Bankruptcy Court of Illinois and received a letter from them stating that they do not perform any activities with the credit bureaus. I have submitted that letter to Equifax as well as the letter I received from the third party company the mentioned as the source used to gather this information.
I supposedly owe XXXX XXXX money owed to XXXX. They have called my place of business saying they are a debt collector when asking for me yet can never be reached through any number even after numerous voicemails to attempt to understand or handle the actual debt. Which has been paid. I still use XXXX time to time currently. I am trying to close on a house and this is the only negative mark on my credit report in years. I am baffled. I can not close until this is remo bed and can not even reach the company. Why call my place of business and not my cell phone. I have never left a work number. This is beyond ridiculous.
XX/XX/2015 I paid my XX/XX/XXXX lease payment and set up auto pay for the account. The auto pay did not work. I noticed that the funds were not withdrawn from my account in XX/XX/XXXX by which time I was past due over 30 days and I was reported to the credit agencies. In researching this, it came to light that BMW FS sends out a reminder email within a week after a missed payment. In my case there was a " clerical error '' which has been admitted by BMW. Yet they will not acknowledge that it is unfair that I was the only customer of theirs that did not receive an email or notice and hence affecting my perfect credit profile adversely. I have had XXXX leases with BMW and spent over XXXX without being late- and yet they refuse to see the correlation between a wring email and lack of notification ( when I set up auto pay thinking all is well ) and the situation that I am in. They also claim their third party sub contractor called me, yet I have no message or record of it ( I have provided my phone bills to them. ) They keep telling me that it is my responsibility - how about a functioning website and having my email input correctly- whose responsibility is that? I believe my track record speaks for itself. Yet they keep telling me by law they have to report me and can not do anything and from what I have been told and have read that is simply not true. 

Simply put, why was I excluded from learning of the situation with my account by a misspelled email address in their system- which they have admitted to?
Syncrony bank closed my belks account after I made a complaint to consumer Financial Protection Bureau. The day I made the complaint I received an email from synchrony bank to get in touch with them to work something out when Icalled the president of customer relations she said there is nothing we can do for you and they closed my account.
Hi my name is XXXX XXXX, my husband XXXX and I shared an account we opened in XXXX XXXX. We reside in XXXX XXXX, my mother in law lives in XXXX XXXX. Recently I went to the XXXX branchin XXXX XXXX and made XXXX deposits in the drive thr ough. The teller, XXXX was extremely rude, making a wrong deposit for the in correct amount. She made me wait and I was the first customer. I was trying to help and advise her that she made an improper deposit. Also I was trying to takes care of another business related issue on my phone. Another lady came on the speaker yelling at mesaying, _your on your phone you need to get off '' the call was very important. I then advised her that it was business and that I will report the rude behaviour. The other lady screams ha you think you 're a banker. '' I drove off and continued my call and pulled across the street in the parking lot to write down information. I then called customer service and spoke with someone regarding the tellers. Then a police officer pulls behind me questioning me he then witnessed I was on the line with Regions and told me have a great day. He also said the tellers alleged they were scared. I feel stereotype d marked because of my race, also that was unethical, those tellers knew what and how they treated me was wrong, if you did n't do anything wrong to anyone then there 's nothing to be afraid of. I left a message for the branch manager XXXX XXXX. She never returned my call. I called XXXX and spoke with someone, the lady made contact, then XXXX called me yelling in my ear never affording me the opportunity to speak, hanging up in my face then she forced my account to be closed out of retaliation. She bragged about the people she knew and how she been banking a long time. This woman was rude and I am respectful ly request ing that someone address the matter and respond to me, if not I will call me back, and I would like the decision overturned.
A company reporting a debt will not send any information other than a bill. Experian is reporting as delinquent. I have asked them to verify and send any information about the debit but they have not authenticate the debt. They still refuse to remove from credit report.
I deposited a monthly paycheck into my local Bank of America ATM on Saturday, XX/XX/XXXX at XXXX in the amount of {$1700.00}. {$300.00} was available immediately, and per my online app, the balance of the check would be available Monday, XX/XX/XXXX, as I am accustomed to. I used my ATM card to make a purchase today, Monday afternoon, XX/XX/XXXX, and my card was declined. I called BOA to ask why my money deposited on XX/XX/XXXX was not available, and they said it would be available on Tuesday, XX/XX/XXXX. Since I have been with BOA since XX/XX/XXXX, I know this is a departure from practice, since when I deposit a check on the weekend, it is available on Monday, the first business day. I spoke with XXXX customer service staff who both sympathized, but both said the check would n't be available until XX/XX/XXXX, 4 days after the deposits. They both stressed there is no hold on my account, it just takes that long to process my check. This is a check I have deposited monthly for 14 years, issued from the State of California. I asked both customer service staff what has changed, and why was n't I informed, and they had no answer. Perhaps cfpb can help me navigate this, as no one has answers, and this is clearly not right.
I just checked my credit report - listed is late payments for regional loans andcredit recovery asso. - this is not my accounts. - Regional loans send out XXXX of thosechecks for loans letters however I did not get it my daughter ( with the samename did ) She went and got the loan - and I find out later when she missed apayment - the loan was based off my credit with my social security number. 
I informed them of their mistake of not making sure their information wascorrect and what happened ( they just assumed it was the correct personbecause our names are the same ). However, they said I was responbile for theloan because it was address to me and based off my social security number. 
They did not try to correct their mistake just haress me for payment of a bill Ihave nothing to do with. Now, I find out they put it on my credit report knowing the information is wrong. I believe they committed fraud by putting this on my creditreport and not checking for correct information. And I believe they should notbe allowed other peoples social security numbers, if they misuse my information like this. 
I want both account off my credit report because it is not my accounts - pleaselet me know what happens here - please. it 's messing up my creditscores in the future.
My bank TCF is charging {$74.00} in fees for XXXX One charge of XXXX was posted and left me with a positive balance of XXXX so I was not negative and was still charged a fee!!! The next charge was XXXX and another fee so I am over {$80.00} in debt now thanks to TCF 's ridiculously backwards fee charging which needs to be looked into.
I received a prepaid small business Master Card debit card in the mail that was unsolicited from NetSpend. I 've never heard of this company and have not applied for a debit/credit card. This company is sending debit cards to people where their identity can be stolen in the future. The card indicated that I needed to activate the debit card.
In XX/XX/XXXX I called Navient to find out why I was receiving a statement and what I could do to lower my payment even though I should not be in payback status right now ( I filed a previous claim with CFPB in XXXX and then disputed Navients false dates of school enrollment and forbearance period and deferment period on XX/XX/XXXX ). As a result of this call the customer service agent said I used all of my time I was upset because I knew I had not used that time and I should not have been in repayment. She apologized and offered to reduce the payment and said it will not be effective in time for the payment due in a few days. She never told me to contact the financial assistance department for options on reducing or setting up arrangements all she said was I was able to lower your payment from almost {$400.00} to {$250.00}. It was not until months later that I learned she placed me in an interest only plan with no payment going to the principal. I did not ask for that, I did not agree to that, and nor would I have agreed to those terms. I work in accounting and finance I understand how interest only payments work! This blanket intentional assigning of clients to payment plans they did not agree to, deferments they did not request, not properly informing clients of other repayment options, and making it difficult to repay is downright wrong and scrupulous. XXXX the Navient XXXX XXXX never returned my call once he saw and confirmed that the dates of enrollment were incorrect on their end in addition to confirming that in XXXX ( after XXXX XXXX created Navient XXXX placed me in a blanket deferment status and should not have done so. He was supposed to be working on finding out if they were going to restore the entire year that was lost after I forwarded from the school my official enrollment dates. I called and called and he never called back and never confirmed that he or his office ever received the official enrollment transaction in order to restore the erroneous lost time. I am completely disgusted with XXXX XXXX and Navient for not taking ownership of the mishandling of these accounts prior to XXXX XXXX creating Navient right on down to Navients current deceitful practices and operations.
Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my Experian credit report in the amount of {$1500.00}, and also on my XXXX credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.
I had two cards tampered with prior to purchase. One was already inactive due to pre-activation activity, the other was terribly damaged and the magnetic stripe had been destroyed. I asked for the cards to be registered, inactivated, and replacement cards sent, but both the representative and supervisor insisted on charging me a XXXX fee ford doing this despite the fact that it was not my fault the shoddy security allowed these cards to be compromised prior to my purchase. The packaging was faultless, but this company for some reason routinely has compromised cards in faultless packaging. Both the predictable sequence of numbers of their prepaid cards and easily tampered packaging make their cards seemingly easy targets for thieves, and they seem uninterested in buffing up security and completely unconcerned how this affects consumers.
This is an alleged debt that is over seven years old ( 2010 ). This company has failed to provide proof of this alleged debt. I have previously disputed it and it has been removed from two of the three credit bureaus. However, it is still being reported.
XXXX has on my credit file a was a charge off there was or is no charge off on this account.
Bloomingdale 's continues to charge $ XXXX/month as " minimum interest '' when I have no outstanding balance on my account. They even reduced my credit line for not paying this {$2.00} charge.
Our latest mostly statement shows a deferred p and I in the amt of XXXX and when I called and asked what this was about ditech could n't tell me and said it was a mistake and to disregard it. When I asked for something in writing stating what they had just told me for my records I was told that they could n't give me anything in writing only that it had been noted in our acct.
On XX/XX/XXXX our debit card # and pin was used at a convience store an hour from us to do a balance inquiry. Following the inquiry a charge was made at a XXXX XXXX XXXX for {$250.00}, this location was an hour away from where we live. The following morning XX/XX/XXXX i noticed the transactions and notified BOA. We filed a complaint and let them know that we had the compromised card in our posession. They filed a claim and closed out the card and issues a new card. They refunded the money {$250.00}. Today XX/XX/XXXX we receive a letter stating the claim was closed and no error was found. We contacted the bank to get details on how the decision was made and they would not give any details other than because a pin number was used it was found bot to be an error. Now they are taking the money back out of my account. My account should be protected and I should not have to verify I am not a liar for a charge made in the middle of the night an hour feom my home. Furthermore if investigations were made I should be able to get the information guven to me on how they investigated not that they just assume a dispute because a pin number was used. I tried to contact the store myself but they were not helpful.
I had made numerous payments to Central Mortgage for principal only immediate payment since 2016. When corrections were made, from a regular payment to principal only, it was posted days and even weeks later ( XXXX transactions ). 
My interest to pay down principal was not immediate even though the transaction history shows the received date of the money, the correction date was not back dated.
I have disputed the error of L.J. Ross three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX hospital. I have contacted XXXX hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.
Receivable Management Services is trying to collect a debt that is not mine for XXXX XXXX XXXX. They can not provide me with a signed contract as I have requested numerous times. The only thing they will send me is a bill that has my name on it and the amount they say is owed. They recently sent me a single piece of paper that literally only has my name, address, policy dates and amount they say is owed. Per XXXX policies an individual can not have an active insurance policy with them if they have a past due balance. They will cancel the policy and you can not get a new one until the other is paid. I currently have insurance through XXXX. The debt is not mine and I have repeatedly asked the credit bureaus to remove the account from my credit reports. They will not because they claim Receivable management has verified the account. The credit bureaus will not provide me with the documents they have to substantiate their claim that the debt is mine. The amount they are claiming that I owe is {$330.00}, and the policy number is XXXX.
I would like to file arbitration against Scottrade. Scottrade has refused to provide me with a copy of the arbitration agreement. Can you please provide a copy of the arbitration contract.
Follow-up on Case #  XXXX  On  XXXX   XXXX ,   XXXX   at  XXXX , I received a call from Chase introducing herself as  XXXX   XXXX   from the   executive de partment. The number that registered on my phone was  XXXX . I was suspicious of that call because of the questions she asked me and she concluded right away that my accounts were closed and she said that since I sent my complaint to CFPB, if I remember it right she mentioned that I should be receiving from CFPB a letter confirming what she told me that my accounts were closed. I have doubts about her because since my whistle blowing, in my experience I have encountered several people posing as someone who is authorize to give information, as if the calls were legitimate. Yesterday,  XXXX   XXXX , she called me again to ask the address of the branch that I have complaint about when last  XXXX   XXXX  she insinuated that my case was closed. This time the number did not register on my phone. When I asked if that was how the bank would handle a complaint, I did not get a satisfactory answer. The complaint I prese nted was more about closing an account. I also received a letter from Chase Executive de partment acknowledging that they have received my complaint but the letter was not signed. When I was typing the complaint last  XXXX   XXXX , I noticed that there was a notification that someone was editing what I was typing. When I printed the complaint, it showed that I did not address my complaint to the bank. I did. I have gone to the bank to ask for the release of my settlement a lot of times.  Maybe ten  times. If the settlement was released to me, I would not have mentioned other grievances with the bank. I am filing this complaint because I am suspecting that this network is again intercepting any communications to me about this complaint.