WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan with WFHM. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and WFHM with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX.
I paid a state tax lien in XX/XX/XXXX. The amount of the lien was originally XXXX. However, since I had moved the interest had driven it up to XXXX. The later is the amount that was paid to the Georgia department of Revenue. They sent me a letter of Cancellation on XX/XX/XXXX. I sent this letter, copy of cancelled check to Equifax for deletion. Instead of deleting it, they changed the docket number and said that XXXX XXXX is responsible for having it removed. So, I contacted XXXX. Again, was told that it was Equifax 's decision. 
Today I called in to get this removed under the XXXX XXXX of XX/XX/XXXX. The enclosed lien that is filed does not have neither my Date of Birth nor my full Social Security Number on it. I was told that they investigated and the lien stays. He also told me to call XXXX XXXX Superior Court Clerk to get a deletion letter. I called and spoke to XXXX. She told me that they do not do deletion letters and that the letter of cancellation should have been enough to get this item deleted back in XX/XX/XXXX. 
I ask that you please investigate Equifax and their not handling this issue correctly. Please see enclosed lien and other documentation
I called the debt collector several times to have my case disputed and she has refused to do so. She told me that I need to contact to agency that I owe. She hangs up on me instead of giving me info on my case.
To whom it may concern, It is NOW ALMOST 5 YEARS since i asked CHASE for help to avoid foreclosure. 

All they keep doing is play games with me since 5 years ago, i have hired 4 different real estate agents from different offices to get my short sale approved and every time that we get close to get the CHASE approval. CHASE keeps playing games stating that they can not work with my realtor because the investor of the loan which is CHASE doesn't feel comfortable with the agent. 

So 45 days when we were ready to finalize this short sale application, CHASE again told me that my short sale was approved but i needed to get a new realtor otherwise they deny the application. 

So i did i hired a new realtor and 2 weeks later on XX/XX/2018. CHASE sent me a letter stating that my short sale application was denied because ANOTHER LIEN HOLDER DIDNT AGREE TO RELEASE THEIR LIEN ON THE PROPERTY. 

Which it was a lie since there is no other liens against my property. I am very upset and tired of CHASE playing games with me it is ALMOST 5 YEARS trying to get this short sale finalized and all they keep doing is playing games with me. 

PLEASE HELP. 


XXXX XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX In Collection Opened on XX/XX/XXXX DISPUTE REASON : ACCURACY : UNVERIFIED ACCOUNT, UNVERIFIED LATE PAYMENTS. 
THIS RECORD CONTAINS MULTIPLE INACCURACIES. PLEASE VERIFY THE ACCURACY OF ALL DATA. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX # XXXX In Collection Opened on XX/XX/XXXX DISPUTE REASON : ACCURACY : UNVERIFIED ACCOUNT, UNVERIFIED LATE PAYMENTS. 
THIS RECORD CONTAINS MULTIPLE INACCURACIES. PLEASE VERIFY THE ACCURACY OF ALL DATA. 

Please remove all non-account holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file. 


Thank You, Sincerely : XXXX XXXX XXXX
Several of my accounts at Chase were victim of ACH fraud which was first discovered on or about XX/XX/2018. On XX/XX/XXXX, I received a call from Chase criminal fraud regarding a suspicious ACH transaction. I reported that as fraud. Subsequently we discovered that multiple accounts had been attacked. In one case we know the perpetrator and have filed both local and federal complaints. 

I suggested that all accounts I had at Chase should be closed and reopened. My Chase banker told me that wasn't necessary. Subsequently, on or about XX/XX/XXXX another account was attacked and approximately $ 200K was withdrawn. Chase has investigated, accepts responsibility, and has allegedly attempted to return the funds. The failure to return the funds is the subject of this complaint. 

I have had *numerous* conversations with my Chase bankers and various escalations departments in the last month. Chase 's back office has *repeatedly* misrepresented the status of the claim to both me and my Chase bankers. These misrepresentations have ranged from whether the fraud complaint was actually filed, to whether and when cashier 's checks had been sent, to what location they had been sent and when they might arrive. 

As we sit, Chase says they have sent not one but TWO roughly $ 200K cashier 's checks to a location in another state that they will not disclose but which is not the address on my account ( about a year ago I spent several hours in person with my banker assuring the correct addresses and signatories on my accounts ). 

Now, in order to replace the funds, Chase is requiring me to sign an affidavit which among other issues has me aver that I have personal knowledge that the alleged checks were lost, provides Chase a unilateral right to require me to get a bond for the checks, and worse has me indemnifying Chase for any loss with respect to those checks. 

Chase repeatedly misrepresents what the affidavit actually says, saying that it only refers to my personal actions. 

This issue has been escalated within the branch banking structure, the customer service infrastructure, and what was referred to as the " executive escalation '' group. The last conversation was with XXXX XXXX with executive escalations who provided case number XXXX. XXXX was engaged and seemed to understand the problem. We were to have an update Friday. No update. 

As instructed, I have not attached the actual fraud complaint forms for Chase as they contain the account numbers in question. If you need them, I am more than happy to provide.
In XXXX 2016 I applied for income based repayment specifically Pay As You Earn on loans entering repayment through my provider Nelnet. After 20 days I called and asked about the status they stated that I did n't submit XXXX forms of proof of income which is not stated on the application for income based repayment. She told me that she would put the loans into forbearance for me so that nothing would be due until XX/XX/XXXX giving them enough time to process the application. In XXXX 2016 I receive a statement for several thousand dollars. I called Nelnet once again and was told that half of my loans do not qualify for XXXX and would be placed on a different income based repayment plan. Again she said she would put an administrative forbearance on my account so that nothing would be due until XX/XX/XXXX giving them time to process a second application that I was told to submit. She stated that my first bill would be due in XX/XX/XXXX for {$200.00}. Last Friday XX/XX/XXXX I received a call from Nelnet 's collection department telling me that I was a month past due on a nearly {$5000.00} bill. I explained everything I had been told in the past and pulled up a recent statement I had gotten that said payment was n't due until XX/XX/XXXX. She placed me on hold for 10 minutes and then returned saying that the reason I had a bill was because I had n't renewed my income based repayment plan. I explained that it had n't even been a year since I graduated and my grace period ended in XX/XX/XXXX. She was confused and put me on hold a second time for 10 minutes to speak to a supervisor. When she returned she told me that there were several notes on my account and she needed them to be processed and she had passed on my account to her supervisor. I confirmed with her that I was on forbearance until XX/XX/XXXX and that I would n't be paying {$5000.00} monthly. She confirmed that was the case. Prior to speaking with this particular agent I did some research myself to see why some of my loans were not eligible for PAYE as well as finding out if I could switch providers considering my troubles with Nelnet. In that research I discovered that if I consolidated my loans they would all be eligible for PAYE and I could switch to a different servicer. I 'm at a loss for why Nelnet had not previously discussed this option with me as they are tasked by the Department of Education with providing basic services such as loan counseling. I 'm also at a loss to describe the anger that I have since my loans have continued to accumulate interest due to Nelnet 's lack of communication and untimely processing of applications.
I received an offer for American Express XXXX card that stipulated certain terms. If I spend XXXX in 3 months I get XXXX bonus points. And if I spend an additional XXXX dollars I get an additional XXXX bonus points. I signed up with the code they provided. I got approved and received mail and a phone call confirming these terms. I spend the required XXXX dollars in the XXXX 3 months and did not receive the points. I was charged the XXXX annual fee in the XXXX month. I called to understand why they did not apply the bonus points and they stated that the offer was not linked to the account. I gave them the code and asked what other information they needed. They opened an investigation and first they said it would take one week then a month and then 6-8 weeks. It is now 2 months and they said they are not ruling in my favor. I asked why, and specifically requested to pull the phone call in which they read the specific terms but no they have not acknowledged that request. I am not sure why the code is not linked properly but regardless, how are they allowed to send material and confirm a credit card on a phone call and not be held to their own terms and agreements. I have asked for the points or my money back for the fee and they said there is nothing they can do. 
Can you please assist.
I have hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XXXX, XXXX, XXXX and XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( XXXX, XXXX and Experian ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( XXXX, Experian or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.
I took out credit card as a XXXX. The card had a high amount and I used it on books I never received notice or contact from credit card company for long time and belive statute of limitations is past. No agreement letter or arrangement was ever received. This debt went unnoticed
After a couple of year or so of getting these mailing from a company called XXXX XXXX XXXX, on or about XX/XX/XXXX we decided to contact them about a home modification government program they claimed to have " New Programs have been put into place for home owners under the new XX/XX/XXXX guidelines '' we called their XXXX number and spoke to a case specialist by the name of XXXX  - she " explained '' how the process worked and said it may be free, or low cost depending on what government programs we qualified for. She emailed me and provided me with a web site- and phone number to contact her back ( XXXX  ) XXXX XXXX. They asked to speak with our lender and requested for them to fax over ( XXXX ) XXXX XXXX ) account summary- which the forward to us that same day. They provided us with a " form " to fill out pertaining to our financials- we did as requested and continued to ask about cost- and business license information with no answer. On XX/XX/XXXX we spoke to " an underwriter '' whom provided us with percentages and possible payments " best and worst case '' and a total cost for service in the amount of {$3700.00}, and suggested that we do not pay our mortgage allowing us to pay them in three installments, with a guarantee their request for modification would go thru. The call was handed over to XXXX and she made an phone appointment for Fri. XX/XX/XXXX, before ending the call we requested to have the business license information AGAIN, she said was surprised her manager XXXX had not provided said information. Friday came and went, on Monday I emailed XXXX  to confirm we could have our appointment that Monday morning and reminded her we MUST have the license information as well. We confirmed a XXXX call and at XXXX XXXX   via email she stated the following : " XXXX would be the one to have more information in regards to licensing, I already put in a request with upper management. Ill call you in a few minutes to review documents. " XXXX came and went no call no email. At XXXX XXXX  I emailed them asking what happened. They proceeded to ignore our communications and request for license. After three days XXXX   decided to call me to answer our email and stated I rather do it over the phone -we refused stated she needed to email us because that statement was concerning. Emailed both XXXX and XXXX stating the call confirmed the emails were being read- provided image of call log- a day latter XXXX  emailed and stated they were too busy to take us on as clients and that " At no point was anyone refusing anything " and " Please keep in mind that your previous message with direct accusations and would be something that would require us to respectfully terminate our relationship moving forward ''. Lied about calling us twice and refuse to communicate with one of us. Please see details below and emails attached with documentation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   XXXX XXXX -Manager XXXX XXXX XXXX Case Specialist <XXXX> XXXX>
I have been fighting with suntrust mortgage since XX/XX/XXXX about a forclosure from XX/XX/XXXX. They continue to beat around the bush about removing the forclosures. I provided the emails from XXXX to XXXX from XX/XX/XXXX stating i was covered by SCRA the date of the email. i have currently been going back and forth with XXXX XXXX with her stating " HERA Act and SCRA '' SCRA from XX/XX/XXXX states a minimum of 9 months from XXXX XX/XX/XXXX giving me till atleast XX/XX/XXXX in coverage. I have the email that i provided them the orders. This SCRA should have covered me till XX/XX/XXXX and they stated they began forclosure process XX/XX/XXXX and i am not entitled to the {$3800.00} they unlawfully took from my payments for attorney fees. Along with this i provided them a statement from my bank showing a payment of {$910.00} that was never posted to my mortgage but they will not accept the statement.
I have been a long-time Citibank customer since XX/XX/XXXX. 

I completed the Citibank offer for a Citigold Checking account, promo XXXX, for XXXX XXXX XXXX miles by XXXX/XXXX/XXXX. This was my first time using Citibank as a checking account bank, rather than just a credit card, so I was hoping that Citi would end up being the bank for me, and that we could both gain from this financial relationship. 

After completing the spending requirement by XX/XX/XXXX, a Citibank representative, XXXX XXXX, told me, in writing, on XXXX XXXX, XXXX, to expect the XXXX XXXX points to be deposited within 90 days of XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, after hearing buzz that Citibank was not honoring the offer or needed further escalation, I sent another email to Citibank checking on the status of my miles. 

Another Citibank representative, XXXX XXXX, sent me a secure message stating " records confirm you met all the requirements for promotion code XXXX. '' She also confirmed, " Once your 90 day waiting period is complete, the bonus miles will be applied on the next statement billing which will be no later than XX/XX/XXXX statement. '' After the miles did not post XX/XX/XXXX, I emailed Citibank again, only to be told by yet another representative, XXXX XXXX, that I now have to wait till XXXX XXXX, XXXX for the miles to post, without much explanation as to why Citibank or XXXX were delaying the posting of my miles. 

I have all of these correspondences. At this point, we are approaching a second deadline, and I am out {$90.00} in terms of account fees for the XXXX checking account. The fees started in XXXX XXXX. I believe this is a financial scam at worst, and a bait and switch tactic in the least, which makes it illegal. 

Please feel free to contact me, and use the evidence I am submitting for class litigation action purposes, or for evidence in any manner deemed fit.
I applied for a debt consolidation loan with the Lending Club on XXXX XXXX, 2016. I was called by a representative of the Lending Club on Saturday XXXX XXXX to confirm my application and personal information. The representative told me the loan terms were : {$16000.00} at an APR of XXXX %, {$330.00} per month for 60 months. My loan was approved on XXXX XXXX ( Loan # XXXX ) and the funds of the loan were direct deposited into my checking account on XXXX XXXX. However, only {$15000.00} was deposited. I immediately emailed the XXXX XXXX and asked why only {$15000.00} was deposited in my account. The loan documentation was not available until the loan was funded and there is nothing in the documentation that indicates the origination fee that would be charged. On XXXX XXXX I spoke with a representative of the Lending Club to claim a lack of notification about an origination fee. At no time did I receive notice by phone or in writing regarding the amount ( if any ) origination fee that would be assessed prior to the funding of the loan. I specifically asked the representative that called me on XXXX XXXX about the terms of the loan. There was no mention of an origination fee. Even after complaining about the fee on XXXX XXXX, I was not told of a right to rescind the loan and return the money ( I was within the 3 day window ). I believe the Lending Club violated the " Truth of Lending Act '' ( TLA ) by not providing adequate notice of all fees before the loan was " funded ''. Not having all of the information ( even after I requested it ) before the loan was funded is a clear violation of the TLA. This loan was fraudulently funded.
I called Citi for the third time this year to request a reduction in the interest rate for a credit card that I have had for 15+ years. They denied my request each time. I began making automatic payments of {$950.00} a month 1 year ago. My balance in now under {$3000.00}. They continue to charge me 28.9 % interest. Now, my interest payments are greater than the costs of any charges on the card, should n't they reduce it? Whenever I call, I ask to speak with a manager. This time they told me " marketing '' sets the rates on cards! I asked for a manager again, was put on hold for 8 minutes, then cut off. Bad bank, bad policy, bad service. Ca n't we today this card off.
I have been waiting 6 years... YES... 6 years... under the constant promise that my bank ( US Bank ) was going to get us an affordable mortgage so my wife and I could keep our home! Anyone who hears this story can not conclude that this is our fault! The bank has held all the cards. They have been stringing us along with the hope that we were going to be able to save our home. I have laid out all the particulars in my complaint, including the FACT that US Bank lost all of our documents! ALL... lost... and yet somehow it 's our fault that we have been delayed and have not been given an affordable payment. That 's all we have been asking for!! We have paid for over 15 years, almost {$2800.00} a month and yet we can not find someone at US Bank to get us a lower payment so we can keep our home! Now, we face being foreclosed on! We are more than angry! We want US Bank to pay for our delays, and all the charges we have accrued from their incompetence!
I secured a mortgage in XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was XXXX XXXX XXXX that claimed to be an injured party on all thee credit bureaus starting in XXXX. I have never signed any contract or owe any money to XXXX XXXX XXXX. In XXXX XXXX, XXXX removed XXXX XXXX XXXX from my credit report. Equifax and XXXX refused to remove XXXX XXXX XXXX from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by XXXX XXXX XXXX under fraudulent circumstances. I want them removed from all my Credit Reports immediately. XXXX XXXX XXXX is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even XXXX XXXX XXXX. Please help me resolve this matter as soon as possible