WillisBack/dataset-financial-user-claim huggingface dataset:
the rep with XXXX making home affordable got the chase rep on the phone in chase oh XXXX unit in XXXX since chase restructured my loan with no compliance with respa and TILA laws about the current loan modification that chase did on my loan in XXXX through XXXX XXXX, 2011 without my permission and then proceeded to manufacture defaults in the oh XXXX default management group in XXXX XXXX and XXXX otherwise knows as their scra/escalations dept headed up by XXXX XXXX. I have requested for chase to take me out of the default dept for over XXXX years and they refuse. the refuse to comply with the us dojustice XXXX dollar settlement agreement so that their execs like XXXX XXXX XXXX and XXXX XXXX XXXX who are reponsibile for all this alleged illegal conduct do n't go to jail. now the OCC has given chase mortgage aka jp morgan chase bank oh XXXX notice that they are not complying with settlement agreemetns or complying with Tila or RESPA laws of the u.s. government. I never applied for this loan beginning with XXXX and its predecessor was originated by XXXX XXXX chase by lying to me on the TILA documents as to the nature of the loan and that they and chase have created balloon payments on these loans without any disclosure and on the mortgage statement for this current number the XXXX year payment amount is based on a XXXX year mortgage loan instead of XXXX. I have no loan docs for this current loan number with no tila docs no respa docs no mortgage statements for a total of XXXX missing statements. over {$100000.00} of missing or unaccounted for funds with chase employees in the escalations dept in XXXX which was XXXX XXXX chase refusing to correct these problems and created them in the past under name of XXXX XXXX chase. and doing this to me as a XXXX veteran. 

they refuse to fix these problems and now the OCC announced that chase is not servicing mortgages properly and chase refuses to account for mortgage payments and has repeatedly put my payments in suspense accounts and manufactured defaults in their mortgage servicing computers while violating mortgage servicing uscfpb regulations and national mortgage settlements andus dojustice mortgage fraud settlements and my loan is a LIBOR loan where chase has now pleaded guilty to usdoj for LIBORprice fixing and is A XXXX BANK. today the statement appeared on chase screen that says they made property preservation disbursements but that does not appear on any mortgage statement or escrow accounting statement. there is no explanation for that and I demand a written explanation of what property preservation disbursements as advances means in English and it shows up on a mortgage or escrow sta tement.
I paid Convergent Outsoucing payment on XXXX/XXXX/16 as payment in full for XXXX bank for a credit card that I did not have but is on my credit report. i disputed this but they wont remove it so i paid convergent who said they would email me a letter the next day saying account was paid in full but they did not. am attaching a copy of credit report and proof of my payment to convergent to pay off this account. I had a premiere bank account over 7 years ago that was a prepaid credit card and I was using my own money. When I closed the account they never refunded my deposit that was supposed to be held in a savings account. I called Convergent and XXXX and am getting no satisfaction. This is a scam!
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX/ XXXX XXXX, XXXX , XXXX XXXX, XXXX , XXXX XXXX , XXXX, XXXX XXXX, XXXX , XXXX , XXXX , XXXX/XXXX, XXXX XXXX , XXXX, XXXX , XXXX , XXXX/ XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
**debt was not paid it was charged off I verified this with each creditor** Pressler & Pressler has trolled my credit report and with the help of XXXX XXXX has taken several, old charged off debts from my credit report and sued me for the debts. At XXXX they scared me because I thought they were legitimate, but as it kept happening over and over ( at least XXXX debts they have taken from my credit report and sued me on ) I researched and found out that they are not legitimate, if you XXXX them you will see how many illegal scams come up. I contacted the original debtors and not XXXX of them knew who either Pressler or XXXX XXXX was. As far as my debtors ( including XXXX XXXX, XXXX, XXXX and XXXX ) knew they charged off my debt ( I was unemployed for 3 years and had no way to pay them back ) I feel that Pressler & Pressler has illegally targeted me by trolling my credit report, that is the only explanation for them to have so many of my debts in their possession -- they claim its a " coincidence '' I do not believe in such a coincidence. I have XXXX debt that they have been taking {$25.00} a month from me since 2012, they have not ever sent me a status to show what I have paid and what I still owe, but if I stop paying, I get a threatening letter. They have NEVER sent back any debt verification after I have requested multiple times on each debt that they have sent me. They call but do not leave messages and when I call back there is no answer at their number or the call disconnects. I would like them to stop and leave me alone and I would like to counter-sue them for harassment. 
I let them bully me for a long time, now I am going to fight back with everything I have.
I went online to get my free credit report from TransUnion. They charged me {$19.00} and wanted to bill me for this each month. 
I just wanted my free annual credit report. Now I ca n't get ahold of them to stop this. Do n't want this at all.
Hello, I filed a complaint against capitol one XXXX XXXX card ( original complaint at bottom ) at the start of the new year. This was with you all, as well as the XXXX XXXX XXXX. They quickly responded with the XXXX that this issue would be communicated with the CFPB, and it would be resolved swiftly and with ease. 

However, my last update was from XX/XX/XXXX and since then I receive nearly - daily phone calls, texts of voicemails and voicemails from the company, debt collector XXXX. XXXX has grown so aggressive as to leave me profane, abusive and ugly voice mails which have sometimes been so nasty as to be illiterate. 

The company has sent me counselor extensions and resolution opportunities, but when I have called I have received dead links, wrong extensions or otherwise inappropriate methods of communications. Every conversation I have had trying to resolve the issue ends with threats, strong arm tactics, general co - ersion or just XXXX XXXX XXXX. 

I am quite frustrated and quite unsure of my rights and options. Any assistance in the matter is appreciated.

********** original complaint *********** Consumer Information Name : Mr. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Daytime Phone : ( XXXX ) XXXX Evening Phone : None Provided Fax : None Provided Email : XXXX XXXX XXXX XXXX Name : Capital One Financial Corporation Address : XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Complaint Details Capital One XXXX Rewards Card Paid bill XX/XX/XXXX. Scheduled payment three weeks ( approx ) ahead of time time via phone app AND phone call. payment processed by XXXX on phone app, phone call, and bank website thus credit was restored. Payment was processed for XXXX and XXXX. Used credit card during weekend for a holiday trip and twice or thrice during the week. Attempted to use credit card for XXXX XXXX holiday, declined. Payment was actually returned ( but no money credited to either debit or credit account, thus robbed ), with a higher debt rating than previously before the payment ( thus robbed again ). Payment also due again for XXXX and XXXX thus robbed a third time, feeling extremely swindled and cheated despite being a loyal customer with either a consistent track record or complying with creditors. 
My complaint concerns : a Credit Card Desired Outcome/Settlement Desired Settlement : Billing Adjustment Acceptance of previously posted ( 3x ) payment. 
Complaint Details Nature of Complaint : Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Purchase Date : XX/XX/XXXX XXXX XXXX  Salesperson : None Provided, XXXX Complaint Details ( cont. ) Product/Service : Credit Card Payment Scam Model # : XXXX Account # : XXXX Order # : None Provided Purchase Price : XXXX Payment : In Full Debit Card Disputed Amount : XXXX
On XX/XX/XXXX I was charged a late fee in the amount of {$23.00} that was paid with XX/XX/XXXX 's payment on XX/XX/XXXX totaling {$480.00}. Since the payment was paid, I have asked XXXX to properly apply the late fee payment ( going on 6 months now ) and every time I am given a different answer as to why it hasn't been applied or how long the process will take to have it applied correctly. I set up automated payments starting XX/XX/XXXX ( which the XXXX is my due date ) and on XX/XX/XXXX I called in and made a principal only payment for {$500.00}. The payment was applied as a regularly monthly payment for XX/XX/XXXX ( even though I had my automated payment set up to go through on XX/XX/XXXX ). I made it very clear this was a principal only payment and regularly checked my online account to see if it had applied as requested. Approximately 5 phone calls later did the {$500.00} principal only payment get applied correctly ( not until XX/XX/XXXX - 15 days later ) and the late fee is now back on my account as of XX/XX/XXXX when it was paid on XX/XX/XXXX!! 

I am done calling this company and spending at least 15 minutes on the phone to have payments applied correctly. When I call in and ask why the payments aren't applied correctly I am told the " system doesn't recognize late fees and it has to be processed manually '' but there is no guarantee it will get adjusted and can't be told a timeframe. I'm sorry, but as a LOAN SERVICING company XXXX   should be equipped with the technology to PROPERLY apply payments in a reasonable timeframe - again my late fee issue is from XX/XX/XXXX it's now XX/XX/XXXX!!
Capital One Case : XXXX Merchant/Amount : XXXX XXXX {$62.00} Subsequent CFPB Case No : XXXX ( answered XX/XX/18 ) XXXX unanswered as of this writing 1. ) Merchant claims they issued a " merchandise credit '' vs. a credit to the original payment method. Merchant is incompetent and confused as the only merchandise credit or gift cards used at the merchant were XXXX presents. 

2. ) Merchant has not adequately explained as of yet as to why they would issue a " merchandise credit '' and not credit the original payment method utilized. 

3. ) By way of this complaint, I will continue to exercise my rights under the credit card billing dispute guidelines. Specifically, " Your Rights if You Are Dissatisfied With Your Credit Card Purchases ''. I've already attempted to correct the problem in good faith with the merchant. Further, under this right, all of the following are true : - The purchase as made in my home state or within 100 miles of my current mailing address, and the purchase price was over {$50.00}. 
- I must have used the credit card for the purchase. 
- I have not yet fully paid for the purchase. 

4. ) Lastly, the merchant failed to mention that the " bill to '' and " ship to '' address were different on the original order. Additionally, the merchant disclosure included XXXX tracking information showing delivery to the " ship to '' address, not the billing address.
Hello:
I have gotten calls from tel.XXXX or sometimes is an unknown number.
First call XX/XX/2016 a Investigator. XXXX call                        XXXX- have a court summons to deliver friday XX/XX/XXXX with an officer he ask for me to secure my weapons and animal for his safety etc I still have the message recorder threatened me and after my call this person called my son and my sister harrasing as well.
Thurday XX/XX/XXXX another call but now this person is calling himself office XXXX about check fraud which is untrue this person call my son and my eldery parents harrasing them as well.       
I dont know who they are or what they want please help put a stop to these harrasing phone calls. I have saved all the messages in my phone.
A friend made a deposit to my Bank of America account through his XXXX bank mobile app for the amount of XXXX dollars on XXXX XXXX. The money was supposed to be on my account in less than 6 business days. We contacted both banks and they could not track the money because it already had left their system. After a week of phone calls we both went to XXXX bank and Bank of America to speak to the managers. The Branch manager at XXXX said the money had already left their system and that his " theory '' is that Bank of America accidentally put the money on a different account. The relationships manager at Bank of America said that the money never reach my account and they can not track it. I got a confirmation message on the day the transfer was made to me and my friend got a confirmation email as well. We emailed XXXX managers saying that if the money did not appear on either of our accounts by XXXX XXXX, 2016, we were going to file a complaint but neither of the managers reply or try to contact us to solve the problem. We then call the managers at XXXX banks and they basically said that they do n't know where the money is and they do n't think is their responsibility to solve the problem and pay my account or refund my friend 's account.
I was behind on a payment on two of my credit cards serviced by this company. They called a number of a estranged family number to get information. They gave this person who answered the phone private information on my account including total amount owed, payments made and payments needed. This is a personal credit card. I have no additional signers and have not authorized anyone to have access to information regarding these accounts. I am not married, phone collector assumed they were speaking to a spouse and gave all information to them. I have no relationship with the person they spoke to about me. This happened onXX/XX/XXXX andXX/XX/XXXX. I called the company and was given a number to their corporate office. I called that number, sat on hold for twenty minutes and then was dumped into a voice mail box and have not heard anything back from the company since. I have two accounts through this company, and they did it on both accounts.
Dear Sir/Madam, Since Seterus, Inc took over my loan from XXXX XXXX XXXX in XXXX 2013, I have been experiencing multiple problems. I was told that some payments were missing. I sent proof in the form of cancel checks and bank statements. It seems that Seterus, Inc will always come up with something new after submitting proof of evidence. This has been going on for about two years. 
Therefore I asked XXXX for help.We spoke to a Vice President by the name of XXXX XXXX XXXX who mentioned that my XXXX 2013 payment was missing and that I should send proof to the Michigan office and all will be settled. 
A XXXX XXXX asked me to send copies of XXXX check and bank statement which I did. 
Recently, a XXXX. XXXX wrote me advising me that my loan was delinquent and all payments were applied to the loan without explaining to me how and when the delinquent took place. 
For about two years now, XXXX person will say XXXX thing and another person says something different. 
This has caused my credit to be poor. 
I need some help and thanks in advance. 
Sincerely, XXXX XXXX.
I have disputed this information as being fraudulent, not mine or opened by me. They refuse to remove the accounts or reinvestigate the accounts and proof they are mine.
I contacted SunTrust Mortgage about paying off my house on XXXX/XXXX/16. I spoke to XXXX and was told I would need to stop automatic payments from my checking account.. I asked her to please do so and she said it was taken care of. She then told me to write a check for the full amount of {$1300.00} and if I wanted to, add a bit more to cover interest for the few days it would take for the check to arrive at SunTrust. She instructed me to include my name and account number. I followed these instructions and sent in my check and paperwork the next day. 
When I did n't hear from them by XXXX, I called and spoke to XXXX and she told me they had closed the account the previous day. That they were sending my escrow plus over a thousand dollars in addition to that. I questioned why I would be getting over a thousand back and she said that they had taken a regular house payment out through automatic payment at my bank that very day. The day AFTER they had closed my account. 
I told her that XXXX had said that automatic payment had been cancelled on XXXX XXXX. She said that apparently it had n't been done. I asked that the money be placed back into my account as it caused me to be unable to pay some of my other bills to have that money gone. She said her supervisor XXXX XXXX wanted me to send a copy of my bank statement to prove that they had withdrawn the money. Although they just told me they had done so, they now wanted me to prove it. I sent a picture to XXXX showing that page of my bank account. I received a message from XXXX the next day saying that XXXX now wanted a hard copy of that statement and that XXXX would call me later that day to take care of my account. That was XXXX and I 've not heard from them since. 
Today, XXXX, I have called twice and requested to talk to XXXX and been told she will call me back. That was 3 hours ago. 
I told them the first day when they said they took the extra payment that it would cause me hardship paying my bills and that I would hold them accountable for any fines or charges I received as a result of their mistake. I was told that they were going to mail me that check and the escrow money within 15 days. Rather than credit it back into my account that day as I requested. I feel like I am getting the run around and that I am being penalized for their employees error. I know we all make mistakes, not a big deal. But their failure to rectify this in a timely manner is why I am contacting you. Can you please help me?
Looking at my credit report there is a loan I did not get.I called XXXX XXXX corporate office, talked to a XXXX and a supervisor after much investigating they could not find anything with my social or name.They asked me to call Midwest Recovery the collector, The woman XXXX was very rude, when I told her my situation she said XXXX would not have my information cause the loan was sold.I asked when and where the loan was taken out she said XXXX XXXX my well I have never been there, after several attempts of going back and forth XXXX XXXX advised me to file with YOU
I personally have been called daily by GC Services even though I set up a payment arrangement with them six months ago and have paid on time every month. They call me daily, have called my brother, my father, my ex brother in law, my current brother in law, and my ex husband. They have told these individuals that they were trying to locate me for repayment of a student loan. 

I called them today and they stated that they wanted to increase my payment from {$100.00} to {$300.00} because of information that I sent back in XX/XX/XXXX. I have been paying on time every month for six months and they state that none of the payments I have paid are pulling my loan out of default status because they believe I should be paying more.They also stated that I would have to make the higher payment for nine months before my loan would be removed from default status. They said that all the payments I had already made were applied to my loan, but that it didn't remove it out of default status. They also stated that I could be reviewed for wage garnishments or liens even though I am making payments. 

At the very end of an hour long conversation, they stated that I could be eligible for removal from default status if I consolidated my loans. They provided me this phone number to call to consolidate : XXXX. This phone number only leads to an endless loop of bogus offers for discounts on cell phones etc. 

I asked them to stop calling me and everyone else related to me. I did apply for loan consolidation through the department of education website. 

This company told individuals I did not approve to know that this call was in regards to a student loan debt. The call that disclosed that most recently was today. Please help this harassment stop and prosecute these individuals for predatory practices. Thank you for your time.
My XXXX keeps trying to collect an additional {$26.00} for a " mystery balance '' after double billing me multiple times. Their accountant, nor the doctor himself will return my phone calls. They have placed a negative mark on my credit.
This company is attempting to collect on a debt that became a judgement on  XXXX / XXXX / 2008 .   I n NYS, the statute of limitations is 10 years ; and up to 20 years ( see attached ), however ; the debt collector must re-file the judgement a year prior to the expiration of the 10 years ( see attached ) This company is illegally attempting to collect on a debt and judgement without the proper protocol and is illegal in NYS.
Debt collector continues to call my in laws over a debt. I have never lived with my in laws nor ever given out their number and they have nothing to do with the actual debt.
I have been dealing with this collection for a few years now. Due to this, I pay to have my credit monitored. I have contacted all the bureaus and hopping through hoops eventually gets removed. However, due to this there are times my credit has dropped nearly XXXX points. The collection company Enhanced Recovery realized that this account did not belong to me, but to my father, which unfortunately for me we have the same exact name. I work hard for my money and always pay my bills on time. I have a letter from Enhanced Recovery, stating they would delete this, which they have but time and time again but repeatedly keep reporting this on my credit report.
I have two credit cards with Comenity Bank. In XX/XX/XXXX I called to request assistance with my XXXX rewards credit card payments. I was entered into a hardship program. At the time of the call, the agent signed up my XXXX Card as well. My XXXX card payments were to be {$40.00} a month. I received a letter confirming I was signed up for the program. My account was debited for the due installment. In XX/XX/XXXX I  received a call from XXXX  collections department advising that I was in default and that I needed to make a payment. I informed them that I was part of a hardship program. They transferred me to this department, at that time. I was advised that I was taken off the program due to being enrolled the prior year. I am not allowed to re-enroll two consecutive years. I never received a letter stating this or a call. I kept on explaining my situation and the department wasn't helpful.. I explained that I am not able to make the requested payments of almost {$100.00} a month. I am asking they honor my XX/XX/XXXX agreement, as they debited my account and didn't advise me correctly.