WillisBack/dataset-financial-user-claim huggingface dataset:
I complained some months ago that Chase would not refi a XXXX Veteran since they are making more money. You checked into it, they wrote a nasty letter with original docs, and basically said you are on your own. They also told you they had no application for a refi by myself. I have applied twice. They are lying. I recently emailed them an application and they did not respond at all so there is no record I assume. I need to refinance before mortgage rates go up. I am in an adjustable. It is my own fault for choosing this loan but I need to get into a fixed 30 year desperately.
On numerous occasions I've reached out to chase to correct the credit inquiries which were not authorized by me and they have state we are aware and are taking the necessary actions to correct this and submitted to XXXX and XXXX Unauthorized Inquiries via Chase Bank on The Following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  have reached out to the credit bureaus and they have stated they have not received the digital request from Chase to remove these as they are still being reported on my credit. I reached out 3 times now to have Chase remove these. I spoke with XXXX in the Credit Bureau Specialist Department to which he stated that the responsibility falls on the credit bureau ( s ) not them. I then asked did you get verbal confirmation and authorization that I was the individual who applied to which he said no we don't do that that's against the Fair Lending Act. This is not true as when I personally applied for a Chase CC in XX/XX/XXXX, Chase Bank Called me personally fist to verify that it was I who submitted the application. Not only has Chase not corrected this but they have admitted fault and are passing the buck. Chase Executive Office has been made aware and they too are looking into the matter with this specific employee as this has been most discouraging to them as it's a poor reflection upon Chase and goes against normal company standards and protocols.
I applied for a loan modification with Bank of America about 9 months ago. After 3 months of submitting documents I was told I did not live in my house. This was not true. They had the documentation to prove I lived there. I then submitted additional documents to prove I lived there. This time they came back and said on their NPV that I could get 5.125 % over 40 years if I had extra income. My husband was able to contribute the extra income and we resubmitted. B of A sold the loan to XXXX XXXX XXXX but they are still the master servicer. This loan should have been modified along with others in the securitized class action lawsuit of the XXXX XXXX XXXX XXXX XXXX ( the trustee ) and Bank of America. since XXXX is the investor. Bank of America was aware of this and chose to ignore the instructions of the settlement.
I have submitted letters after letters to the credit agencies to correct my address information and to add my contact telephone number to my credit file and they refuse to do so. I have sent them proof of address, ID, and Social Security Number and they still have failed to update this information. I have been denied credit do to their errors. Please help me to get this matter resolved once and for all. 

Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Please add my telephone number : ( XXXX ) XXXX
I have lost the numbers of complaints that I had placed against Select Portfolio Servicing, as a senior manager for a law firm and trying to get my modification and others to no avail, the consumers are beginning also to loose faith in the Protection that your Bureau gives to Consumers. 
Attached one more time the lies from XXXX I have submitted my loan modification packages three times and never XXXX has even uploaded my documentation to review me for a loss mitigation possibility. See Exhibit A, the lies I did not provide documentation on a timely matter. Not once in the time that I have been trying to modify my home XXXX has sent me any letters requesting additional documentation. They create them the same as XXXX XXXX XXXX does just to comply with regulations that you are allowing them to continue. Please as the only hope for homeowners as myself see attached documentation and question SPS consistent and repeatedly misconduct in violating RESPA 1024.41.
On XXXX XXXX, 2018, I withdrew XXXX BTC from XXXX and transferred this amount to GDAX- owned by Coinbase . I still have not received my BTC. There is NO response from support, even though I have sent 3 emails asking for help. I have transferred coins and fiat for many months between exchanges around the world. The longest time it has taken has been 4 hours. GDAX states it will take 24 hours- it has now taken almost 5 days.
THIS COMPLAINT IS IN RESPONSE TO MY ORIGINAL COMPLAINT THAT I HAVE FILED AGAINST BC SERVICES, WHICH CONTINUES TO VIOLATE THE LAW BY REPORTING INVALIDATED INFORMATION ON MY CREDIT REPORTS. 

THIS IS WRITTEN NOTICE TO BC SERVICES THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAKL TIMES FOR BC SERVICES TO PROVIDE ME WITH PROOF THAT THIS DEBT IS INDEED MY DEBT, AND THAT I HAVE A LEGAL OBLIGATION TO PAY YOU BC SERVICES. BC SERVICES HAS REPORTED AND LISTED ON ALL XXXX OF MY MAJOR CREDIT REPORTS ( XXXX, XXXX AND XXXX XXXX INVALIDATED AND UNVERIFIED INFORMATION, WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT, BUT NOT LIMITED TO. 
I HAVE WRITTEN TO BC SERVICES SEVERAL TIMES VIA CRETIFIED MAIL AND HAVE REQUESTED THAT VALIDATION IS REQUESTED, IT HAS NOW BEEN LEGALLY PASSED THE 30 DAY TIME FRAME ALLOWED TO YOU BY LAW. THE DISPUTED INVALIDATED ACCOUNTS MUST NOW BE COMPLETELY REMOVED FROM ALL XXXX OF MY CREDIT REPORTS. AS BC SERVICES IS NO DOUBT AWARE THAT THEY HAVE LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM BY LAW. 

THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITTING OF ANY CLAIM. BC SERVICES HAS FAILED TO REMOVE THIS INACCURATE AND DISPUTED ACCOUNTS OUTLINED IN MY ORIGINAL DISPUTE, AND COMPLAINT WITH THE CFPB. THESE INACCURATE ACCOUNTS SHOULD NOT BE ASSOCIATED WITH MY CREDIT REPORTS AND BC SERVICES HAS FAILED TO LEGALLY VERIFY THESE ACCOUNTS INFORMATION IN THE TIME FRAME ALLOWED BY LAW, AND THESE ACCOUNTS INFORMATION DISPUTED BY ME THE CONSUMER DOES NOT LEGALLY MEET THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ALTHOUGHT BC SERVICES HAS REPORTED AND IS CONTINUING TO REPORT INACCURATE AND ILLEGAL INFORMATION TO ( XXXX, XXXX, AND XXXX ). 

I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN NOW INFORCE THAT BC SERVICES, WHO CONTINUES TO VIOLATE THE LAW BE SANCTIONED & FINED FOR DIRECTLY VIOLATING THE LAWS?
I am a customer of Ditech mortgage company. I have never made a late payment but over the last few months I have been harassed with collections calls and a man came to my home, despite repeated confirmation from the company that my account is now, and has always been, current. I am suffering from anxiety and my baby has been affected. My family 's peace continues to be disturbed. The company is failing to acknowledge their actions and continuous harassment occurs. 

According to Ditech Mortgage company, their computers began having problems in XXXX 2016, incorrectly reporting that our mortgage was past due. We have never made a late payment on our mortgage. We pay our mortgage in full every month. 
I began receiving late notices in the mail. I called for resolution and the company reported that " they 're working on it. '' Phone calls continued but were not documented as I assumed the company would take care of it. I answered every call, had to sit through accusations that my account was past due and " was I ready to pay now? '' Had to convince them every time that it was not past due. Was told, " they 're working on it. '' Shaken up through every call as I was continually accused of avoiding my obligations. 

On XXXX XXXX, 2016 I received a call at Saturday morning at XXXX while I was in the middle of feeding my 10 month old breakfast, informing me that I had a balance past due. I responded and demanded they stop harassing me. The previous calls were at least during the workweek. Now, XXXX of the only days during the week when I can feed my son breakfast, I am suffering undeserved harassment and interruptions. I am extremely upset after this call. 

On XXXX XXXX, 2016, a man approached my front door. My XXXX was napping and my dog began loudly barking at the man at the front door. The man was messing with the front door handle. Upon inspection, the man had left a notice in the door informing me that I should call Ditech to set up a meeting to discuss my account. 
I called Ditech to complain and the company asserted that they are not the ones who send out people to collect debts and they have nothing to do with the attempts to collect the debt. I insisted they provide me with a contact for who in fact does send a representative to collect an alleged Ditech debt, if not Ditech. The company had no response. Company response : " it was an accident. '' On XXXX XXXX, 2016, I received a notice in the mail that I should contact Ditech to figure out mitigation for my past owed debt. Received the notice the day of my birthday party when I had XXXX people in town. Again became upset as my friend watched my open a past-due notice. 

My family has suffered from this continuous harassment. I am suffering from XXXX. We take pride in the fact that we are current on all our obligations. Receiving threatening phone calls and 'gotcha ' phone calls and having people come to our door has been emotionally disturbing. Please help us as this company refuses to acknowledge their actions and is failing to rectify this situation.
This company loaned XXXX and with all the interest fees it is charging over XXXX. I have defaulted on the loan and it was sold to a collection agency XXXX. I was able to dispute the loan with this company and have it erased from my credit report, now the original lender is trying to come and collect, once they sell the loan they no longer can collect on it.
Experian has not updated my balance of my XXXX XXXX account. I contacted XXXX XXXX, and they quoted the correct balance ( which is lower that what Experian has ) they reported to the 3 credit bureaus. In addition, XXXX and XXXX  have been updating my status and balances accordingly every month, just not Experian.
I noticed last year after Hurricane Harvey that my credit had decreased by 10-15 points. Some of my accounts on my report showed " Affected by natural or declared disaster '' in the account comment. Being in an affected area did not impact my ability to pay any debts, so this should not be taken into account in my credit.
I opened an account online with Citibank on XX/XX/2018 after the account was approved the same day they gave me my account and routing number so I changed my direct deposit with my employer. The day before I was to be paid which was XX/XX/2018 I received a letter from Citibank stating that they would be closing my account in 10 business days. I called Citibank and asked why the account was being closed they indicated that they didn't know but it was being closed by the fraud unit. I repeatedly asked to speak with someone who could provide me with more details as I had contacted my employer and been informed that the funds sent to Citi by my employer could not be reversed and Citibank would have to release them to me. I asked every representative that I have spoken with since the XX/XX/XXXX if they could advise on how I could get my funds as the account would not be closed for 10 business days, I was repeatedly told by Citi 's employees that a check would be mailed but nobody had an exact date. I was first told on the 10th business day, then it was 5-7 days, then 30 now as of today at XXXX CST they are stating it could take up to 90 days. I informed them that I am the only person in my home who is employed and that myself, wife and XXXX kids need these funds. I have been instructed to go into a branch but there are no branches in my state. I simply would like my funds to given to me and it shouldn't take 90 days as the Expedited Funds Act of 1987 prohibits banks from holding funds on new accounts past 90 days. I am extremely disappointed that no mater how many times I call I am told that the person I am speaking with doesn't handle this matter and that the department that does, does not have a phone number where they can be reached. I have also been hung up on by 3 representatives from Citibank. Most recently about 7 minutes ago which would've been XXXX This is ridiculous, how am I to resolve this matter if no one I've spoken with handles the matter and the department that does, doesn't have a phone internally or externally where they can be reached? I have spoken with Customer Service, New Accounts, New Accounts Fraud, Fraud, Loss prevention and customer relations and no has helped or provided me with concrete information.
fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX  XXXX XXXX on equifax
I am requesting the removal of these bankruptcies ( below ) on my Experian credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly DELETE all information which can not be verified., Experian has violated the Fair Credit Reporting Act ( FCRA ). Please have them remove these bankruptcies ASAP. 
Furthermore, I disputed this inaccurate information on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. Experian REFUSES to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at XXXX XXXX XXXX, XXXX, Il XXXX and they stated they do not correspond with credit bureaus and never verified this information with Experian which documentation of said information by the Court is attached. 
Due to the inaccurate information XXXX  deleted these bankruptcies and I asked Experian to follow suit in which they did not and continue to report this unverified inaccurate information on my credit report. Attached are documents supporting my aforementioned claims against Experian and its imprecisions. 
Bankruptcy Ref. # XXXX & Bankruptcy Ref. # XXXX Warm regards, XXXX XXXX
I am writing and putting in a complaint to make Wells Fargo justify and give detailed proof of why they denied me a modification and what they based it on. They told me in both of my meditations in Bankruptcy court, that I would be approved if I submitted the documents they needed. In the XXXX mediation they had the wrong information regarding my salary on the document sent to my attorney. They had a lower amount on their document. My attorney told them the true figure which we already sent paystubs and documents to verify it. They had {$7000.00} of a forced place Homeowners insurance that was on their document. My attorney said that I could get that for less. They told us to submit a new homeowner 's policy and the paycheck stubs proving I made more. ( The paystubs they already had but we submitted them again ). They said I would qualify once they received that. The information was submitted the very next day. 
In the next mediation they said they needed a letter of explanation regarding my quarterly bonuses ( again this was on all my pay stubs that they already had ) .They said that was all they needed and that based on the figures they had I would qualify again. They also said I need to send a new modification paperwork updating the old XXXX. We sent this in the very same day. We were waiting for them to contact us for the next mediation date which the mediator attorney said she would do it for free to expedite the process. Then we got a response that they denied me even though they said I qualified based on all my information. 
They based my mortgage in mediation on XXXX and 2 % and they said the payment would be around {$1000.00}. My attorney said I was paying that to the trustee and there would be no problem. I have never paid late to the trustee. I pay on time. 
The bank keeps sending me statements of XXXX in interest payment for the previous pick a payment loan. They said the new mortgage payment is around XXXX. I do n't know if this is legal when I am in Bankruptcy to send me statements wanting money for interest, etc. 
Also the Vice President said she was investigating the complaint and she was in touch with my attorney which my attorney said no one had ever tried to contact him. 
I want to know how you justified me not getting approved when I was told the figures look good and I would get approved. I want detailed proof and documentation they have why I was n't approved when they said in mediation XXXX I would be.
There is a remark list through Skopos Financial which I have tried to request validation and received nothing. The social on the account doesn't even match mine. I have disputed with XXXX  and XXXX with no outcome. How are these agencies verifying inaccurate information?
XXXXXXXX XXXX incorrectly reported a 120 day late payment on my credit report. I disputed the error. XXXXXXXX XXXX sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, XXXX continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.
Company requesting payment for debt that was never owed, for rent of a property that was never leased. Despite it being a case of mistaken identity ( letters addressed to person with different name and of the opposite gender ), company keeps making contact. 

Receiver of debt collection request was not living in-state at time purported debt was accrued.
On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report. Under the new law effective XXXX XXXX, 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.
My brother opened this account in my name without my knowledge and has passed away. Now XXXX XXXX is coming after me and Ive never received nor did I apply for this account. The payments are minimal and I will pay it if they remove the negative marks on my credit as it is hurting me and I have nothing to do with them.
The collector name is Diversified Consultants Inc and it stated that is is originally from XXXX. I paid in full before requesting disconnection since we are switching to new company and the amount they attempt to collect is bill statement after disconnection. I called XXXX several times and the main office confirmed that I have no balance to make a payment.
Back in early XXXX of 2015, I saw a promotion for Discover bank where if you have a Discover credit card and never had a Discover checking account, you can use promotion code " XXXX '' to open a new checking account, and after XXXX direct deposits, the bank will issue a {$300.00} bonus into the account. 

I had a Discover credit card and never had a Discover bank account, so I signed into my Discover credit card account online and tried signing up for a new checking account using the said promotion code. Discover bank 's system accepted the promotion code as valild, that 's when I decided that it 's a really good deal and went on to complete the enrollment process. 

After making XXXX direct desposits as required, I called Discover bank to see when I 'll be getting the bonus cash from the promotion. That 's when they told me that I actually do n't qualify for the promotion, because after XXXX/XXXX/2015 they changed some fine print to make the promotion a " targeted '' XXXX, and since I 'm not on the target list, I do n't qualify, even though the promotion code was accepted during enrollment " because it 's a valid promotion code '' they say. 

From a consumer 's perspective, the fact that their system accepted my promotion code as valid during the enrollment process should mean that I qualify for the promotion. If I did n't qualify for the promotion, their system should have indicated as such, so I would n't be led to believe that I qualify and go on to enroll for their product believing I 'm getting a good deal. I have also never received any communication from Discover Bank after the fact to let me know that I did n't qualify for the promotion. Any other reputable online store I go to, if they accept a promotion code during checkout, that means I qualify for the promotion. I have never seen any other company accept a promotion code as valid " because it 's valid for other people and not you '' and never send out any communication to let a consumer know what 's going on. 

I feel that Discover Bank 's actions are misleading and deceptive. Their system led me to believe that I 'm getting a good offer and tricked me into enrolling in their product. They led me on further by never communicating the fact that the promotion code they accepted as valid is actually not valid, so that I would start direct depositing my pay checks into the new checking account with them. All the time wasted and emotional distress aside, I 'm seeking for Discover bank to honor the promotion and credit me {$300.00}. 

Thank you for your help looking into this case.
Experian is not responding to my numerous requests to investigate and remove accounts from my credit report that do not belong to me.
REceived REPEATED calls min 3 dozen, Same thing everytime rols tovoice mail as I keep my cell on virbrate and rarely answer it as it rings. Then no message is ever left. Almost every time I call the number I get a busy signal when I DO get a human they hang up on me before ever telling me what the call is about. I can not look up what it is about online as I do not have a required reference number and I am informed I have to contact my original creditor to get the number. Kinda hard to contact a creditor as I have no clue whom the creditor might be let alone if its a valid debt. When googling online the phone number this seems to be typical behavior and possibility exists they do various online scams as well. 

If the company is SO incompetent they can even communicate what they are contacting me about I ask they cease and desist contact in the future because as it now stands all they are doing is harassing me like a former girlfriend who calls you over and over and hangs up when you pick up the phone.