WillisBack/dataset-financial-user-claim huggingface dataset:
I had a mortgage modification with Bank of America which took about two and half years before it finally concluded. They took me throughseveral different partial payment which they never concluded. Afterseveral contacts and follow up they finally approved the modification. Butthe terms of the modification was not favorable to me but I have toaccept because of the frustration I had gone through within themodification period, ruin credit and many more inconveniences. 
The modification that I was offer saw my principal increase from theamount I was before the modification started despite the fact that I hadbeen paying the different partial payments they had offered. 
I made payment to the tune of {$32000.00} during this very strenuousmodification period but to my greatest dismay my final modification hadmy principal increased from {$240000.00} to {$240000.00} interest baringprincipal and {$3000.00} non interest baring principal making a totalPrincipal of {$240000.00} an increase of {$3400.00}. I accepted the modification and have been paying my mortgage regularly and I am upto date with my payment. I have called several times and even ask my lawyer to send letters to Bank of America in my behalf which they didabout four different times but have not got any reasonable explanation from Bank of America till date about what happened to my partialpayment of {$32000.00} that I made within these period. Taxes, home insurance premium and FHA insurance paid within this period amountto about {$15000.00}, so how did they allocate the {$17000.00} overage that non of it went into reducing my principal? And also how come I did not get any principal forgiveness despite the fact that my home wasunder water? And what does the law prescribe for the time a modificationshould take? And why did they have to drag me for this long ruining mycredit making it very difficult for me to get any loan. In fact during thistime I had to get a car loan which could only be granted to me for a very high interest rate of about 21 %.
I 'm writing this grievance in regards to Barclay Bank XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and Barclay through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. Barclay has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you
I talked with a representative by the name XXXX to inform them they have the wrong number. I used the company answering menu which states that if they reached a wrong number to indicated so and I did. I have received XXXX calls and messages each day for over a week and it has not stopped even after informing the company that they have the wrong number. The company name is XXXX XXXX? XXXX is the number I called to have them stop calling me but I am still getting calls.
I have an account listed on my credit report from Focus Receivables Management. I did n't receive anything from this company. This account, now almost 6 years old, was settled with original holder - XXXX. I have not received phone calls or mail from Focus Receivables and it is greatly impacting my credit.
RE : JPMorgan CHASE Loan # XXXX Case # XXXX FHA Case # XXXX XXXX XXXX, my 3rd Party User, received a call from XXXX XXXX, Relationship Manager,  Mortgage Assistance Reapplication Review Team, on XX/XX/XXXX @ XXXX. He missed the call he called back ( XXXX ) gets transferred to Mrs. XXXX XXXX She asks him if there have been any changes since ( XX/XX/XXXX ) circumstances. XXXX doesnt have that file or documents pertaining to that request for short sale to answer if there have been any changes that reflect the current request for short sale. 

What I dont understand is why is CHASE deflecting back to their ( XX/XX/XXXX ) decision not addressing my request to answer the SERVICING AND LOSS MITIGATION, FHAs Pre-Foreclosure Sale ( PSC ) Handbook 4000.1, Sections III.A.2.l.ii. ( B ) ( 1 ) ; III.A.2.l. ( 2 ) ( a ) ( iii ) and III.A.2.l. ( 3 ), the ( minimum 31 days delinquency ) period and marketability of condemned property. My property is not condemned. 

Mrs. XXXX stated to XXXX that he needed to address and wait on XXXX XXXX return call on any FHA Guideline issues : XXXX XXXX, XXXX, Executive Office Research Specialist, Case # XXXX, this is the same response XXXX got from,  XXXX XXXX , Escalations Case Manager on XX/XX/XXXX, to which my loan per Mrs. XXXX is not under Reapplication Review. 

XXXX asked for her Supervisor she stated XXXX " XXXX XXXX XXXX, was the Supervisor. Ive gone from Case Manager to Relationship Manager to Supervisor, Mortgage Assistance Reapplication Review Team. A listing agreement has been submitted to XXXX XXXX. Will anyone address CHASEs apparent violations? 

UNDER PENALTY OF PERJURY, we have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief is true, correct and complete. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX, Homeowners-Borrowers
XXXXXXXX XXXX is trying to collect and report on an account that was already removed due to fraud. The original account which was removed was XXXX XXXX which was opened prior to me turning XXXX which was clearly fraud. That has already been determined. This account and nothing associated with it belongs to me.
On XXXX received Notice of Levy from Bank XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.
Unfortunately, I am writing to you again about Ditech. They have failed to correct my account. In fact, they sent us a large envelope with papers stating we are behind on our mortgage along with some hardship documentation. I have been paying our mortgage religiously every two weeks. Moreover, I have attached documentation to prove it. Furthermore, they stopped posting our payments on their site. The payment history from Ditech is showing our last payment to them was on XXXX XXXX, 2016. However, I just made a payment toward our XXXX payment on XXXX XXXX, 2016. I still need them to correct our account. We are not late on any payments. I attached the bank statement showing we have already paid half of our mortgage payment for XXXX, on XXXX XXXX, 2016. Can someone help us, please? The last customer service representative I spoke with told me Ditech had up to XXXX XXXX, 2016 to correct our account. Today is XXXX XXXX, 2016, the account is still incorrect. You will also see how the monthly statements are changing. Why is so hard for them to correct our account? I am so tired of dealing with these people. They are crooks. Help!!!!!
The following company : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX left a voicemail on my husband 's cellular phone requesting I call them back. My husband called the number from the voicemail and asked if they were a debt collection agency, or a company trying to collect a debt. The employee stated they were a " financial services company. '' Misrepresentation by omission is still misrepresentation. When asked directly if they are a debt collection agency or company trying to collect a debt, they should respond in the affirmative. 

In addition, the original debt holder was notified in writing, return receipt requested, that my wife is represented by counsel in this matter, and to contact only the attorney of record regarding this account.
I obtained an educational loan through  XXXX   XXXX   XXXX   XXXX  (   XXXX   ) in  XXXX . The loan was administered by  XXXX   XXXX .     Following my retirement at the end of  XXXX   XXXX , I received only one bill from  XXXX   XXXX , for  XXXX   XXXX . I received no more bills from them thereafter, believing the loan to be paid off after 4 years. In  XXXX  of  XXXX , I discovered that  XXXX   XXXX  had submitted negative remarks to my credit records. I contacted  XXXX    XXXX   and arranged to bring the account up to date, which I did immediately.  XXXX   XXXX  claimed their bills were returned, and phone calls unanswered. However, I had not changed my address during the prior 21 years, and received no phone calls or messages from them. In addition, a test letter generated by  XXXX    XXXX   reached me successfully.  XXXX    XXXX   agreed to correct my credit records, acknowledging that  XXXX   XXXX  had caused the delays in payment by not providing timely billing.     Since that time, I have had my credit record cleared with other agencies.  XXXX   XXXX  claims they have contacted TransUnion multiple times ( see attached ), but no correction has been made.     I paid off the loan in full in  XXXX   XXXX , after receiving a report from TransUnion showing no adverse reports.     On  XXXX   XXXX ,  XXXX , I received a notification of my  XXXX  score from a loan application, and accessed my credit report from TransUnion due to the lower than expected score. The report is again showing the adverse report from the educational loan.      XXXX    XXXX   and I have exhausted our ability to clear this record.
XX/XX/XXXX I applied for a " {$1.00} '' credit report with Experian ( my customer # is XXXX ). This required a monthly credit monitoring service which was adverstised as my being able to cancel it at any time. I called to cancel immediately. They have been billing my bank account monthly ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) for {$29.00} since. They have offered to refund only one month 's worth 'as a courtesy '' as they have no record of the phone call- which I did make. I would like my other two months refunded as well- as I cancelled the same day I enrolled- but they refuse.
I had taken out a loan in 2005 with XXXX XXXX XXXX. I paid off the debt and never heard from them again. They started calling my family members ( they must have looked up similar last names in my town ) and have repeatedly called my father, grandparents, XXXX, and XXXX trying to obtain information. I received the message from my father and contacted the company. The representative stated I owed money to them, and that I would face arrest or lawsuit, wage garnishment if I did not pay a few hundred dollars at that time. I advised the representative that I did not owe the company money, and to stop calling my house and family or else I would contact an attorney. I did not hear anything from them again for 6 months. I assumed that I had made myself completely clear. My father contacted me this evening and advised me that he and my family all received calls again in the past week. This time, they say they are from optimum outcomes inc. The representative that I spoke with asked for the last XXXX of my social security number so she could connect me to the collector. I refused, but said that she could forward me to the collector at which time she said no. Not until I gave her my info. I told her at that time, I would have my attorney contact them, as I did not have to supply my personal information without her identifying who they were and where they were from. She had been able to access my information originally simply from my phone number, she knew who I was, she did not require my information, but I wanted to know who I was speaking with. She then began to talk over me with a raised voice, would not let me finish my statement, and then she hung up on me. Within 5 minutes, I received a phone call from a different number, and an automated voice mail stated it was a debt collector and advised that their name was optimum outcomes inc. 
I am unsure if these are XXXX separate scams that are being run, however I find it interesting that they both contacted the same relatives. 
I want these people to stop calling me. If they feel that they have a legitimate issue, I would like the information mailed to me in writing so that I may verify its validity. I do not want them calling my phone, my work phone ( have n't called but I want to specify, and of my family members. No one. They harass us, they call over and over and do not leave messages. They call at 8XXXX and on Sunday 's. No more. Please tell them to cease contact and mail me the specifics. 
I am more than willing to review information, if any, but I will not release monies to them on demand or tolerate threats of any type. I want physical documentation. 
Thank you for your time.
XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : WELLS FARGO CARD SERVICE Requested Cor

rection : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
Suntrust Bank has continuously reorganized transactions that are on my account to ensure that they are able to get multiple ovedraft fees for transactions. They have even left CASH DEPOSITS pending and not posting to my accounts causing fees to happen. They will take transactions that have been pending for days ( with smaller balances ) and reorder them and process a newer larger pending transactions so that all the funds that are allocated and supposedly already being held for current pending transactions are used. So now there is an OD fee so when the funds that are held on pending transactions are freed, they are eaten up by the OD fee causing the ALREADY pending transactions that are ( Previously authorized for payment with funds taken from available balance ) to not be able to be paid and Overdraft. I was charged a {$36.00} OD fee for a {$94.00} charge because I only had {$94.00} available at the time. I was charged {$36.00} for a {$0.00} differential. This has happened before on my account. There was a {$20.00} cash deposit pending when this happened as well. So why was my deposit of CASH not processed? If my {$20.00} CASH deposit was processed I would have been able to cover the {$.00} as well as the subsequent {$15.00} Gas charge that I also received a {$36.00} OD fee for because it was not money there. Well I apologize the {$20.00} CASH deposit was and is still pending. So now my account is overdrawn {$69.00} which is {$72.00} ( XXXX OD fees ) +XXXX+XXXX+XXXX= XXXX - ( {$20.00} Cash Pending ). I have checked and honestly due to Overdraft fees for reorganizing drafts and transactions and holding deposits ( CASH DEPOSITS ) I have paid in excess of {$1000.00} in Overdraft fees to date. I have already paid these fees to keep from having to pay the extended fee but I truly feel like paying {$36.00} for {$0.00} makes me feel like I have been XXXX by the bank and no one cares. Why could this not be a courtesy reversal. I called and had absolutely no complaint about the {$15.00} charge and Overdraft fee. I know how unethical and unconcerned this bank is for it 's customer 's welfare. They are more concerned with the dollar amount. I would like to be refunded my {$36.00} for that {$0.00} differential as that is extremely excessive abuse of the OD fee penalty. This has happened previously with a OD fee for a charge less than {$.00} and they gave a credit so I am no longer eligible for any future credit according to XXXX the Rep and the branch. This is a horrible horrible bank and they are sharks at prey. If I make mistakes I NEVER complain but this is horrible.
I began a mortgage process with U.S. Bank. A traditional 30 year-loan with an XXXX grant assistance for recent graduates to contribute 5 % of down payment. I worked with the mortgage loan originator, various management and was able to include underwriting in all email communications. My loan originator stretched numbers in order to overestimate my ability to buy, I once found this out while in contract. For the pre-qualify portion I gave all exact numbers to know my ability and my max was around XXXX for debt to liability according to the mortgage loan originator. Although later on I found out he incorrectly entered numbers causing myself to prematurely pay off a motorcycle loan in order to get the debt to equity ratio correct to afford a XXXX town home. The loan application was filled out completly wrong and had to send back multiple revisions for them to make in order it to be correct after having already provided supporting documents. Why they kept being entered wrong? I have no idea. This is important because if myself or another would not have reviewed the application properly I could be charged with mortgage fraud because of a non caring employee. Further more, they filled out a grant incorrectly having to resubmit it for approval. I have talked to them on the phone XXXX in total in a 45 day period. After asking for a two week extension. However, I will be missing the last closing date, due to the mistakes constantly being made my the mortgage staff and management. Due to constant errors on applications, grants, miscalculating numbers all while trying to cover up numbers and problems by providing broad overviews in emails. I am a XXXX XXXX and numbers are my life which is why I always review and request exact numbers. This is a threat to other consumers that could possible lead to unintentionally agreeing to an incorrect mortgage application leading to jail time, loss of money due to a non timely close because lack of attention to detail. Every time there was a request I was able to provide material back within 24 hours if not same day. Now my money is going to waste, Im missing out on a deal of XXXX below appraisal, when similar properties in the development are being bid up XXXX above ask, and I was able to obtain at ask and below market. All because XXXX XXXX XXXX XXXX XXXX at U.S. Bank in XXXX, OH does not answer calls, does not provide exact numbers, stretches numbers, files incorrect documents, and goes by his own time frame. Its not at his loss but mine and my investments. XXXX
After reviewing my credit reports, I noticed a collection account from PYOD aka Resurgent Capital Services. On XXXX/XXXX/XXXX, I sent a letter to PYOD asking them to validate this debt with my signature and to prove that I was obligated to pay them. They responded back with a letter saying the debt was mine and needed to be paid. I wrote a letter again on XXXX/XXXX/XXXX again asking them to validate this debt. Again, they failed to provide a proof of signature, but continue to claim that I had an obligation to pay them, which I do not. This collection account is still reporting negatively on my credit report as of today, XXXX XXXX, XXXX, and is affecting my ability to obtain credit.
XXXX XXXX XXXX XXXX needs to be removed from my credit report. I don't owe anything to this company or to XXXX XXXX XXXX All of my rent have been paid in full. If this is not removed within 30 days, I intend to file suit.
I sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance starting XX/XX/2016 to XX/XX/2016. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods of XX/XX/2016 thru XX/XX/2016. XXXX XXXX can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.
Check Systems has been notified several times regarding my chapter XXXX bankruptcy and continue to report inaccurate, negative, and incorrect information to creditors. XX/XX/XXXX being the last report issued. Check systems was informed by myself and the bankruptcy court in XX/XX/XXXX that my bankruptcy had discharged but they still report information which results in denials for accounts and other services that I am eligible for.
After being denied credit I requested my credit report from Experian but they say they can not give it to me.