WillisBack/dataset-financial-user-claim huggingface dataset:
Further to claim # XXXX, I acknowledge receipt of Chase response dated XX/XX/XXXX in which the include a lock-in-agreement dated XX/XX/XXXX. 
This was an agreement I was told to sign so that they can secure at least the 5 % interest rate. I had wanted to get the lower rate which at the time was a lower than 4 % for the 20 year loan I really wanted at the time but I was told that I did n't qualify for that rate. No explanation was given. No one ever mentioned that I could qualify under the HARP program nor I had any idea such a program existed until not too long ago when I kept reading about it. No one ever told me that I could refinance with any other institution either. I had a 20 year loan which I had to increased it to 30 years to get the lower rate (!!!!??? ) I had tried re-financing not too long ago and I was n't able to do so either and this may be because Reading thru the Truth in Lending Disclosure Statement, it says that that 'there is no guarantee I will be able to refinance to lower my rate and payments (! ) No wonder Chase closed on the refinance so quickly. The Lock in agreement is dated XX/XX/XXXX the loan was effective XX/XX/XXXX. 
Chase said that I did n't need an attorney nor anything. Chase sent a notary to my house to sign the documents but the lady left me with unsigned documents. 
The Lock in agreement indicates that there were no fees ; however, the HUD says something completely different. ( see copy attached ) None of my documents indicate that the loan was under the HARP program and as I stated before, every time I have called Chase, each representative stated that I I did n't have a HARP loan because for some reason ( they did n't know exactly why ) I had not qualified for one. How is it possible that Chase representative could n't tell whether or not I had a HARP loan. This was not just one representative but every representative I called. ( I had called in several occasions ) I remember finding it very strange that the loan had been processed so quickly, yet no one volunteered any information. 
I notice now that among the documents that there are is a HUD from XXXX XXXX XXXX XXXX and it also says that I could 've paid them?? May I know why. What was the advantage or disadvantage? 
While I was able to reduce my payments, this was due only to the fact that I increased the term of the loan not because of the advantage that HARP program could 've given me at the time. 
Due to another situation with another loan, it occurred to me to inquire JPM Chase about the ownership of the note on my mortgage for my house, the representative told me that Chase does not sell its notes. However, when I called again on a different day and asked for a copy of the note, I was told that the loan owner was XXXX XXXX I feel JPM Chase misled me and misrepresented the refinance of my loan effected in XX/XX/XXXX.
I recently reapplied for mortgage assistance this month. I was denied because Chase said that I was offered 2 trial payments, which I did not accept. First, I made and completed the trial payment of {$500.00} during XXXX to XXXX. I was told that I would be locked in at that payment. However, every time I called Chase I was told to reapply and reapply and that documents were missing. This nonsense went on for some time. Over the years, I have been wrongfully denied modifications. After I contacted Consumer Financial i believe in XXXX, Chase fictiously created a trial payment plan to cover their tracks. In XXXX, I think, I was given an outrageous modification plan that I could not afford. Around XXXX of this year, my relationship manager, XXXX XXXX, told me to reapply with my new income since I was now working. I was denied this month and I called to speak with the ReApp team. One guy told me that the investor which was FHA said no to the modification request. I asked him for a contact number so I could speak with someone directly. He gave me the number on the Website, which doesn't offer any information. After having to research a number on my own, I spoke with a rep from the Service Center. I told him that I would like options to leave the house and I was told by the lender to speak with FHA because Chase indicated that FHA made the deciding decision. The FHA representative told me to call Chase back and ask for them to consider me for options that involve leaving the home such as short sale and deed in lieu. The rep also said I should consider selling the home myself. When I called back, I was told that since I was recently denied this month and no change in circumstances, I don't qualify for a new application. I tried to tell her that FHA said to consider me for other options. I was then transferred to Escalation Team who reached out again on my behalf. The decision was the same. As I stated in numerous complaints against Chase, Chase has lied many times over. Now, Chase is using a fictious trial payment against me. I completed 1 trial payment successfully. I think I deserve an extension of my foreclosure so that I can explore short sale or deed in lieu. I would like to leave this property.
Equifax credit bureau has had my identity theft information since XX/XX/2018 and all verifying information. I sent the same inforamtion to experian and transunion and they have rectified the problem in accordance with the fcra. Equifax refuses to remove the fraudulent information. I have spoken with the colleciton companies and submitted the fraud information to them as well and they have told me that they are not reporting the fraudulent items. Equifax has had well over the alloted time and has not updated the credit reports even though it is not being reported by any collection companies. They have not in any way investigated and removed the items. They are as follows, XXXX XXXX/fraudulent, XXXX XXXX/fraudulent, XXXX XXXX XXXX/fraudulent, XXXX XXXX XXXX/fraudulent. I have faxed, mailed and called equifax they have refused to update the fraudulent information.
I have made several attempts recently on  XXXX   XXXX    XXXX  , the student loan was transferred and its being paid with   XXXX   and it appears in my credit  NelNet  with a default loan which hurts my credit.
In just the past month ( XXXX XXXX ), without any prior notice whatsoever, I have found a collection that has shown up on my credit report. I only found out about this through checking my credit score. The XXXX XXXX XXXX only had my name and a completely fraudulent phone number for me that I do not recognize. The NRA claims that I have a collection from an outstanding bill from XXXX from XXXX XXXX. I never had a account with XXXX in XXXX. The address associated with this account is an address that I moved out of in XXXX XXXX. When I left, I closed my account with XXXX, and transferred the service to a woman who took over my room and lease in this apartment. I confirmed that I had closed out my account with XXXX in good standing in XXXX. I never had an account with XXXX since, and I am not responsible for any outstanding bill from XXXX. Even the woman who took over the account confirmed that she closed the account and moved out of that apartment in XXXX XXXX, so this claim is completely fraudulent.
Addendum number XXXX : XXXX ( unintelligible last name ) called from Wells Fargo, in regard to our complaint. He left us a message to call XXXX XXXX, who was not in the office, so he left us a number to reach him. XXXX, that number is not in service.
My interest is being manipulated, I am being charged HIGH fees, I have screen shots to show my statements not being available to reflect the correct balances. I would like someone to look into the possibility of fraud. I have already expressed my concern to the company.
I recently submitted a request for investigation of the following Accounts : XXXX # XXXX XXXX # XXXX. 
XXXX. # XXXX these accounts where disputed and never deleted. 
FCRA Act 609 ( a1 ) ( e2 ), 623 ( a1 ) violation please all accounts delete. 
This account is in dispute with the original creditor error please delete accounts. 


This which you DECLINED. I sent info for TransUnion or agent of TransUnion to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

If you had investigated properly, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this.
I never received a bill from this health care provider. I am on medicaid and medicare and on XXXX. I have no co-pay.. This credit company has put XXXX accounts on my credit report in collections This is the source XXXX This is the Credit collection agency. 

CREDITORS COLLECTION/XXXX on my XXXX credit check.
The loan servicer fedloan never sent correspondence at the outset of the loan to let me know that they were the servicer and how to repay the loan. In XXXX of XXXX we researched XXXX loan servicers before we found fedloan. Once we found them, we immediately brought the account current, and set up an auto debit. Between XXXX and XXXX they reported over XXXX delinquencies on my credit report and refuse to reverse them. My credit is ruined, making it impossible to refinance any of my student debt. I am XXXX, have a good job, and am making my loan payments monthly. XXXX inadvertently did not get information to me regarding payback of the loan. They also sent me a document in XXXX discussing a forebearance request that I had supposedly made. I never made such a request. I would like to know what I need to do to fix the credit, and move forward.
I received a two phone calls from telephone number XXXX on XX/XX/XXXX and XX/XX/XXXX. I called the number and heard a recorded message identifying the caller as the XXXX XXXX and requesting that I leave a message with my contact information for a call back. I had previously complained about a threatening call from this scammer back in XX/XX/XXXX falsely claiming that I owed an unpaid debt to XXXX since XXXX. I was threatened with arrest and a lawsuit if I did not comply with their demands. I reported this incident and I also requested to have my credit report locked to prevent fraudulent charges on my accounts, since the scammer had some of my personal information, including my address, DOB and Soc. Sec. number.
On XX/XX/XXXX, I applied for credit card with XXXX on their online website. I have an excellent credit rating of XXXX. On or around XX/XX/XXXX, I was informed in a letter that I was being denied credit due to the fact that I do not have a bank account with HSBC. There was no mention of this requirement whatsoever on their website. 

During the application process, I sent in my personal information. I believe it is unethical for a bank to ( 1 ) collect this information knowing I will be denied credit because I don't have a banking account with them. This should have been the first question on the application ; and ( 2 ) employ bait and switch tactics that imply that if I open a bank account, I will be approved for a credit card.
XXXX XXXX aka XXXX XXXX XXXX aka XXXX Bank, account number ending in XXXX On XX/XX/XXXX XXXX. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX. in regards to the account. On XX/XX/XXXX XXXX. changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and XXXX for verification. Over 30 days later on XX/XX/XXXX XXXX recalls ownership of the account from XXXX. Then on XX/XX/XXXX XXXX relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.
This account was closed over a year ago. However, company continues to report debt to credit bureaus as current which is negatively affecting my credit score.
I reached out to XXXX XXXX from Wells Fargo Home Mortgage to get a mortgage loan. She was the main point of contact as she was the preferred lender from my home builder. She helped lock in a mortgage rate of 3.25 % after running a credit check back on XXXX XXXX. I told her that I was happy to proceed with the mortgage loan since my previous lender quoted me a rate of 3.668 % and she charged my credit card for an appraisal. I went ahead and worked with the underwriter by sending them all my financial documents. I had difficulty reaching XXXX ever since our first contact because she never returned my calls or emails. She went AWOL on me. I found her at her office on XXXX XXXX and she told me everything was going smooth and not to worry. I learned later that my appraisal was never sent to the home builder and I could not get hold of XXXX. She later tells the underwriter to stop processing my mortgage loan since I was going with my previous lender but I never communicated that message to her at all. I even told her that I could not reach you so there was no way for me to relay that message to her. On her own, she decided to stop processing my mortgage loan. By this time, I had less than 30 days to close escrow so I could not shop around rates any longer and had to go back with my original lender so I could close on time. XXXX XXXX did not process my mortgage loan that she promised me and decided to ignore any messages/calls that I sent her. I lost out on getting a good mortgage rate and the ability to shop around for rates since she deceived me into thinking that she was working on my mortgage loan but never did.
I have had on ongoing problem with EXPERIAN and an account they have on my credit report. The account is XXXX XXXX XXXX # XXXX. I have, on 4 occasions, written them disputing this account and its validity. I have REPEATEDLY asked them ti send me ANY document with MY SIGNATURE on it authorizing this account. They have ignored all requests for this proof and just say information is " verified ''. 
Under the FCRA I'm entitled to see proof, my signature, that this account is valid and mine.
I would like to know that the difference is between difference between the Signature and Platinum XXXX Extra Points Credit Cards? Thanks
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX Experian To the Corrections Department : I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. XXXX XXXX XXXX XXXX an investigation on the creditor, payment status, high credit, and the 24 month payment history. Revise every piece of information mention or erase this data from my report. XXXX XXXX Corroborate the veracity of this payment status and history, because I believe it is a mistake, please correct it XXXX XXXX XXXX XXXX XXXX am puzzled on this accounts information such as the payment status, comments, high balance, and terms. Possibly verify the data and repair or remove it from my credit file immediately Incorrect Name XXXX XXXX XXXX Can you make sure my name is presented completely. Update. XXXX XXXX A verification is needed on the status, comments, and the payment history. There could be mix up data and so repair what is needed or delete off my credit report XXXX XXXX XXXX XXXX If you could please compare your documents as i feel the account number, balance, pay status and high credit could be mistakenly reporting. If not accurate please withdraw from my report XXXX XXXX XXXX/XXXX/XXXX Verify the date shown and the creditor name presented as I believe this may be an mistake. Verify or erase this promptly from my report. 

XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : ***********
-Recently, I noticed a decline in my credit score because of a derogatory account from a collection company called XXXX XXXX XXXX XXXX 
-After investigation, I found that XXXX XXXX bought a false debt from Synchrony bank without verifying the authenticity of that debt. 
- In order to extort me to pay this false debt, XXXX ruined my good credit history by sending invalid claims to the major credit reporting agencies.
I had an account opened with XXXX in XXXX the payments got to high so i canceled with them leaving me with a balance of {$380.00}. They were billing me one month in advanced and a partial month. I payed the partial i refused to pay for services that i did not use i returned the equipment and the lady told me i was all set with a XXXX   balance. Mind you i have two accounts with them in witch one account stood open actually till this day witch i am in good standard with. For the last two years never heard nothing till XX/XX/XXXX got a letter from Southwest Credit asking for money the balance was {$360.00} they offered to settle at {$230.00} That was sold to a 3rd party collection agency. In the letter they stated i could either resolve it or dispute it, so i started disputing it with XXXX. I opened an investigation and it was requested to be deleted from any consumer credit reporting agency.XXXX  had ceased all collection activity and it was deleted off my credit report. All of a sudden my credit drops down 10 points and to my surprise i am in collection once again. This is uncalled for i had fought for this to be removed I was not found at fault this is my credit and it means something to me i have been working on it for a long time please look into this for me and help me in any way you can i would greatly appreciate it so much. Thank you in advance for your time and patience.
I have an income based repayment plan with Navient that I renewed in XX/XX/XXXX. I submitted my income information, but it seems to me like they did n't even read the information I gave them. They gave me a payment I could n't afford and basically told me that there was nothing I could do to lower my payment. They told me that my payment increased so much because the interest rate went up and that they had told me the interest rate would change in the original promissory note that I had signed when I received the loan ( back in XX/XX/XXXX ). What my major issue is now, since I 've written several complaints about this company before, is that they keep increasing my monthly payment by a few dollars every single month. I have written to them and asked why my payment keeps going up and they keep saying that it 's because of the varying interest rates and that I had agreed to this when I accepted the loan originally. Problem with that, is that I 've been repaying my loans since XX/XX/XXXX and it 's never been a problem until this year. My principal balance never goes down and they keep telling me that my payments are being allocated properly when I can see that they take half of my payment ( sometimes more ) and apply it to interest, so I 'm never making a dent in my student debt. I do n't make much money, despite trying to get a decent paying job since I left school in XX/XX/XXXX, but they keep raising my payments and give me different reasons as to why as well as telling me that this is what I signed up for when I applied for a loan with XXXX XXXX. <P/>Something needs to be done about this, because after I pay Navient, I barely have enough money to buy groceries for my family, and I certainly do n't have enough money to take care of myself. I do n't believe for a second that my principal balance is going down, because I check my loans almost daily, and I do n't see my principal balance going down AT ALL. I am sick and tired of paying thousands of dollars a year and somehow ending up further in debt every single year. I 'm tired of their excuses and their reasoning, basically telling me that I signed up for this. I am done with their excuses and I need something to be done about this.
I had pending transactions on my account that when they posted would over draw my account. I had money deposited into my account to avoid the over draft fees I would get if everything posted without depositing money. I was still charged an over draft fee for a transaction which is what actually caused my account overdraw. I contacted the bank about the matter and they told me that they are allowed to charge overdraft fees for pending transactions. They never did this before, in fact when I opened my account with them they encouraged me to use online banking and to set up alerts so if there were pending transactions on my account that would cause my account to over draw I would have time to deposit money before the items posted to my account. Now they are doing something else and trying to tell me that this is the way it has always been.
We ( XXXX and XXXX XXXX have a Target Red Card, which we pay off each month, usually paid via auto-pay. Our XXXX/XXXX/XXXX statement ( attached ), disclosed a {$540.00} auto pay due XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX made a return of {$42.00}, reducing the balance to {$500.00}. I did not trust the auto pay function to only deduct {$500.00} ( I 've had trouble with it before when returns have been made ), so I logged in XXXX, set up a one-time payment of {$500.00} to occur XXXX/XXXX/XXXX, and turned off auto pay ( so I thought ). 
On XXXX/XXXX/XXXX, the one-time payment of {$500.00} deducted ( as authorized ), but an auto-payment of {$240.00} ALSO was deducted! This amount was for ALL charges NOT YET BILLED on the statement that did n't drop until XXXX/XXXX/XXXX ( also attached ). In short, Target auto deducted charges which had not yet been billed, thereby denying us a minimum 21 day grace period before the due date. This auto deduction was entirely a surprise, and caused a real pinch in our finances. Thankfully, we had funds to cover it, otherwise an overdraft would have occurred. 
All correspondence with Target ( which occurred through their " contact us '' feature on the website ) is attached. They do not understand that they took immediate payment without having first billed us for the purchases, causing us to have no grace period before payment was due! This is in violation of the CCARD Act of XX/XX/XXXX, the the Federal TILA, as well as being an unfair practice under UDAAP. 
Even if I erred in turning off the auto payment properly, there is no way it should have deducted charges that had not been billed ( and in fact, had just posted that very same day XXXX/XXXX/XXXX )! Target 's auto pay function caused us harm we could not avoid, and I imagine the same thing has occurred to other consumers too.
I opened the  XXXX   XXXX   XXXX  card in  XXXX   2017 . It came with a  XXXX    XXXX   points bonus for spending {$4000.00} in the first 3 months. I fulfilled this requirement in the first 30 days. The bonus points posted to a different   XXXX   account which was no t mine. American Express ign ored the   XXXX   account specified on my application and substituted it with a different number. I have contacte d American Express by  phone and spent cumulatively hours dealing with this, each time they assure me the problem will be corrected over the next business day  or two a nd it never gets fixed.
I am a victim of identity theft. The following accounts and credit inquiry listed on my XXXX XXXX, XXXX   and Equifax credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX
I XXXX XXXX XXXX XXXX have a complaint with Bank of America, I had an account with Bank of America in XXXX TX. My account was completely cleaned out, all of my money had been withdrawn without my consent. I never signed any authorization for anyone to remove funds from my account. I feel that this was an inside job, from someone working at the branch were my account was located. Please contact me to gather more details regarding this matter.