WillisBack/dataset-financial-user-claim huggingface dataset:
JP Morgan acquired our mortgage after the hostile take over of Washington Mutual about 10 years ago : something is foul and we believe we are victims of very sloppy work at best and or intentional fraudulent activities by the bank. 
These are harsh words for an institution that should have the public trust but Chase has earned a legendary reputation of deceit whether among misdeeds including the XXXX rate-rigging scheme in XXXX, and the XXXX repaid for their active role in the real-estate meltdown. Again, this is the same company that " housed '' the financial activities in the XXXX scandal and we were warned by one of their representatives about the dangers we faced with our mortgage modification. We all relived it and have persuasive evidence of fraud and lack of good faith. Two years+ of sending requested information to their mortgage department, and they would 'manage ' to never ever receiving the requested info in its entirety. 
To cut to the chase, what should have been a normal mortgage modification turned into a nightmare with Chase 's purported verbal mortgage -- yes, verbal mortgage -- that resulted in an additional cost to us ( added to mortgage load ) of approximately {$300000.00} - due to no fault of our own -- for which after a year of discussions ( mostly delays ), Chase offered a paltry settlement payment to us of {$15000.00}. 
JP Morgan Chase was the judge and jury as it relates to the VERBAL mortgage that was given to us. First payment was okay..second payment declined and the next two years talking to over 24 of their representatives - none of which could ever find any paperwork in the files as it relates to our mortgage. Now their newly assigned " Vice President and Assistant General Counsel '' can somehow manage to manufacture some sort of statement and come up with the paltry sum of {$15000.00} as settlement. An insult at best. Of course both he and XXXX XXXX refuses to answer the question of " Was it a general practice in your mortgage department where a commission was paid to staff members on every foreclosure? '' Since their answer is silence, and having worked in the business XXXX for all of my career, I was reluctant to make this disagreement with JP Morgan Chase public. No longer. I have no doubt there are others who have lost their homes or are saddled with huge incremental additions to their mortgage. Perhaps they do not know, as Chase is keeping two books. One for the everyday mortgage and the other for the 'hidden incremental whopper '. Now that I am working with a XXXX on this, I am sure others will want to join in. Always a reminder that the XXXX was started with the removal of a lowly scale from a worker.
My student loans that have been rehabbed are being report twice on XXXX and XXXX. Exact same loans one showing current the other showing close derogatory. The is wih Granite State Management. So its 12 on each report. XXXX will not let me dispute this at all because I dispute back in XX/XX/2017 about the amount owed. 
This problem is sinking me. I need help. Other than this my credit is in very good shape.
I pulled my credit report and saw two entries for the same company Security Credit ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. 

One entry was for a collection account of {$910.00} and another same company for {$1100.00}. I tried to contact on the company on XXXX/XXXX/XXXX and they told me that I was well aware of what the debt was for and that they needed my ssn and my current work location. I refused and told them to remove this erroneous entry, was put on hold for 23 minutes, when i finally hung up. 
I haveno idea what this collection debt is and I want it removed from my report immediately. I am a XXXX XXXX XXXX veteran and I am trying to buy my first home within the next 15 months and this false entry is really hurting me.
I have opened the same dispute with transunion 3 times regarding late payment that is showing up on my credit report with XXXX XXXX. The first dispute was closed out with no change. They claimed to have talked with XXXX XXXX, but I have talked directly with XXXX XXXX over the phone multiple times and they have confirmed that my account is satisfactory and there are no late payments on record. XXXX XXXX has faxed proof of my satisfactory account twice and I have faxed the same proof of my satisfactory account as well to both XXXX and XXXX transunion fax numbers. It is always reported that documentation has not been received. They will not allow me to upload supporting documentation online until a dispute is closed. 

I was told by the transunion team that the credit card numbers paired to my account do not match the credit card numbers I have in my wallet. I was also told there is a high probability that the late payments being picked up are for a different XXXX XXXX. 

I have spent 5+ hours on the phone with transunion team members both off-shore and in the united states with no resolution. I am always re-routed to a different team and have  twice been re-routed to a department other than what was told to me, causing the chain of command for escalating the case to start again from the beginning. I have also been told I was being transferred, and then hung up on. 

I am trying to apply for an auto and home loan and my hard credit score is reporting nearly 50 points below what it should. 

Please file a formal complaint against TransUnion for the lack of care and frustration caused by this case. 

Thank you kindly, XXXX XXXX
I am filing this complaint on behalf of my NON-ENGLISH speaking XXXX-year-old mother. She can NOT read or WRITE English and has been diagnosed with XXXX. She was given this loan via check mailed to her which was taken and deposited at her bank. She did not understand that this was a loan. I attempted to contact and explain the situation to this lender and they refuse to help.
In XXXX of 2014 I started a new job and was given a paper check for my first payday. I deposited this into my XXXX XXXX bank account and was told the items would be available the next business day. I wrote a check to deposit funds off of this account to transfer to my Bank of America Account. XXXX put a delayed Reg CC hold on the paycheck and bounced the check I had written to the Bank of America account, causing the bank of America account to go negative. Bank of America closed my account and reported me for fraud, even though I have since paid back any amounts owed, and supplied them with documentation that the funds were there. Bank of America refuses to work with me to clear my name or allow me to open another account. This has lead to issues opening new bank accounts as well. I would like all negative information on file with bank of america removed as the funds were there to cover this transaction.
I paid the bill in the store in XXXX XXXX, I can not find the receipt proving that I paid it off.
I owed a credit card company a principle amount of money in XX/XX/XXXX. In XX/XX/XXXX they filed against me in court. I never received a letter of documentation stating I was being sued. In XX/XX/XXXX they began collecting and so far I have paid out almost 4 times the principle amount plus interest and I continue to have my wages garnished.
I filed a chapter XXXX bankruptcy in XXXX of 2015 and it was discharged XXXX of the same year. 

Bank of America has continued to report the account as open with a late payment. They have completely ignored the bankruptcy discharge.
XX/XX/2017 I want to bring this to your attention. I am a XXXX. I showed a couple a house then advised them to get pre-qualified for a mortgage so we can continue their home search. I then received this email from them : " XXXX called USAA to figure out what we were qualified for in regards to the loan and the person she spoke to informed her of a service that gives you money if you buy your first house using one of their realtors. The opportunity was too good to pass up so she ended up signing a non-compete clause with one of their realtors. '' This does not seem right that USAA convinces & pursuades home buyers to use their " preferred '' realtors by offering to give the buyers money. As realtors we are not allowed to steer clients or get any kickbacks from anyone in relation to real estate transactions. So how is USAA allowed to get away with this? They are stealing clients from good hardworking realtors.
I have been harassed by CMRE Financial Services multiple times in the past 3 years. In the past 3 years I've paid them at least {$400.00} each time I've been told that I paid them fully and the issue was resolved, I even set up payment plans with the company and they came after me again. I recently paid them an additional {$54.00} in XX/XX/XXXX for a bill I do not believe was mine just to get them off my case. I was recently contacted by them again on XX/XX/XXXX. XXXX has admittedly told me there are many different accounts under my name and that people aren't careful enough when entering in the debt 's. So sometimes it is under the wrong person. I have definitely have 100 % paid much more than I could have ever owed. I need someone to investigate this company. The number they called from XX/XX/XXXX was XXXX My transaction XX/XX/XXXX showed up in bank as XXXX XXXX XXXX XXXX CA XX/XX/XXXX Debit card transaction {$54.00}
Transferred {$25.00} from XXXX XXXX to Coinbase. My XXXX XXXX account was charged on XXXX XXXX, 2018. Balance should be available within 3-5 days. However it is not available and says still pending. Coinbase has not responded other than saying transfers take time.
My physician contracted with a XXXX party to provide medical services for their clients. The physician outsourced services on my behalf without my consent or knowledge and failed to pay for these services. The XXXX party billed me. I disputed this bill with the XXXX party and they failed to respond. Instead, they outsourced their bill to a collection agency. I disputed this bill with the collection agency at that time and that they validate the bill and I received no response. Five years later, another collection agency reported the bill to the credit bureau in 2015 without contacting me. I disputed this bill through XXXX who closed the dispute after two weeks when the new collection agency simply stated that is was my debt without any validation, nor XXXX ask for any. I am filing this complaint and asking XXXX to re-open a dispute and handle it appropriately and in accordance with the law. I am also re-disputing this debt with the new collection agency in writing again. As I understand the new rules medical debts can not be reported for 180 days while they are being investigated. I am very concerned that instead of dealing with the matter, this agency will drop it and it will show up with another agency.
I am filling this complaint agains XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX TX and Attorney XXXX XXXX. They are suing me for a debt for {$2900.00} for a debt that is not mine. I being serve 2 time in my house & 3 time by mail for the same debt ( cause no. XXXX XXXX ). The harassment does not ending. I mail them at the address above the following I provided them with copies of my 3 credit reports from the mayor credit companies which clearly show that there is & never being collections, late payments or nothing negative in my credit reports. I provident with copies of my XXXX going back 20 year of my military carrier showing the that my SSN is not the one they are looking for. Copies of my last 3 security clearance going back 15 year ( in my line of work I can not have credit problems or I be dismissed ). The name of 12 persons in my area that have my same name or a variation of my name. They dont stop.
US bank intentionally misleads consumers to collect fees. I have been charged  XXXX  late fees at  XXXX  dollars a fee. That 's over  XXXX  dollars that I only recently discovered. I do not have online access to my account and therefore I make payments via telephone. The automated system give me a balance due but does not mention a late fee. The balance is the same every month so I was not suspicious. My payment is due at the beginning of the month and I always pay within the first 14 days of the due date. I was never informed of the late fee or the lack of a grace period. Furthermore I attempted to extend the due date years ago and was told it was not possible. My auto loan would have been paid off three months ago if not for these excessive deceptive fees . US bank is obligated to inform clients about fees and discuss options. This is not the first time I have been mislead by US bank . When obtaining the autoloan I opened up a checking account with them to receive a discount. The charged a  XXXX  dollar fee after telling me it was free. The fee overdrafted the account. It cost me  XXXX  dollars to close the account. I will dedicated my life to preventing others from doing business with US bank.
I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services one time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX  on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. TransUnion has 7 inquiries and XXXX has 8. The numbers don't even match each  agency, and the random credit runs were unnecessary actions.
Ocwen loan servicing has reported the I was late on a payment back inXX/XX/XXXXof this year. I have the statement from them to prove it is not true. But they have  already hit my credit report. The worse part of all this is this is the second time in about 1 year that Ocwen has done this. The first time was after my bankruptcy was completed last year. the reported I was behind on payment. I have never missed a payment and after proving it to them which toke months Ocwen came back and said it was underpayment from the bankruptcy and it happen while I was with XXXX XXXX XXXX. After about six months the made me refinance at the same rate and years that I was already at. I have been making more then the monthly payment since. Which is a good thing because it seems like they keep changing the monthly amount. It seems like they are trying to do it all over again.
This company XXXX I have had for close to 3 years. I was able to see my report when I pulled my credit on XXXX. Sometime in XX/XX/XXXX this credit card company reported the account as closed but it was not. I called the company and they refused to fix the issue. This falls report on my account cost me XXXX points.
debt reported on XX/XX/XXXX - {$3700.00} debt for unknown medical bill. tried to contact creditor and they could not tell me specific details for what ad when this was for.
We have contacted Ocwen over 16 times since XX/XX/XXXX. We are told things will be fixed, they have the information, and they will call us back and confirm when the information is correct, and then they go dark. We recently went to the ombudsman with Ocwen. That was over a week ago. I was promised they would call us back on XX/XX/XXXX with a resolution and nothing. I called them again on XX/XX/XXXX and was promised it was getting fixed and I would receive a call back by Tuesday morning. 
Again, nothing. I called again today and explained this has costed us a LOT of missed work and LOTS of money. I also explained our loan lock was expiring this Friday for the SECOND time, and the urgency of this matter. I 'm still waiting for a response. They are reporting inaccurate bankruptcy information on 2 properties. In addition, I own an LLC with a parnter, and we were just denied our business line of credit because of the inaccurate information being reported by Ocwen. We have two XXXX in XXXX, and this is literally creating a massive financial situation for all of us, even though we are n't responsible for any of it. The ombudsman shared this morning the information WAS N'T correct and he was able to verify public records, but his " bankruptcy team was backlogged and he had to work on it. '' Truly unbelievable this company is allowed to stay in business!
Equifax has reinserted accounts that had been removed from my credit report without notifying of this action and giving me 5 days notice. I tried to contact to have this issue resolved but was advised I did n't give specific information. The law states that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. The accounts that were previously removed and then added back without giving me a 5 day notice where :  XXXX  's for {$1900.00},  XXXX ,  XXXX ,  XXXX   XXXX  and a inquiry f rom      X/X/2016 .  I never received any notification from Equifax. I am asking for this information to be deleted as it previously was and I am advising that I never received a 5 day notice of the information being added back to my Equifax files. I 'm asking your company to delete the accounts. Please send me an updated credit report within 10 days showing me that the accounts above have been deleted. Thank you for your time in this matter.
XXXX appeared on my credit reports and I have never dealt with them. I have inquired, to no avail, as to who is responsible.
XXXX. XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. The following is the fraudulent account that I need to be removed by this company : 1. DIVERSIFIED CONSULTANT ACC #  XXXX, Date Opened XX/XX/2017, I am attaching the dispute letter/documents I sent to this company
Kay Jewelers in XXXX Ohio XXXX allowed my son to purchase a wedding band and a diamond band on my Kay credit card with out my knowledge/approval I brought it to their attention as soon as I noticed it on my statement over a year now they refuse to do anything about it, say it is my responsibility.
i have log into my Experian account and i see that theres a debt collection that i have nothing to do with where the amount is {$1100.00} from a company call ... .... XXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX and it gose back all the way from XX/XX/2012. i told the company i dont have nothing to do with this debt and i aslo send a letter to Experian i dont recognized that debt. So please i would like for this debt collection taken off my credit report.
In XXXX of XXXX, I received a letter in the mail notifying me I had a debt. I called the collection agency and set up a payment arrangement for my XXXX account. I advised my representative that I do n't need this going to my credit report but I do n't have the money to pay the full amount so I set up XXXX dollars a month. I checked my credit yesterday the XXXX of XXXX and it was reported for the amount of XXXX XXXX.I called the company and asked what happened and she said my payment arrangement ended and that they reported it. I was n't aware the balance went up and nobody tried to contact me to make me aware that the payment arrangement had ended. This is completely unfair and unprofessional. Me as a consumer, called and set up an arrangement to resolve my debt. They did not handle this right.
I am a XXXX trying to stay in my home. I am in active foreclosure and filed for bankruptcy. I am waiting a reply for results of a RFI my attorney sent to Wells Fargo for the foreclosure which asks for an explanation as to why Wells Fargo can not provide an account for the history of my mortgage during XX/XX/XXXX-XX/XX/XXXX. I have sent QWR 's 2 years ago, in an attempt to get an explanation for servicing issues discovered in my mortgage and the loan balance was due to pay down in 18 - 24 years as stated to us during the mortgage application process with the bank process XX/XX/XXXX. As of XX/XX/XXXX foreclosure process the mortgage balance was not on course for this to happen. A recent reply from Wells Fargo to my attorney 's RFI, during our now pending bankruptcy process, states that mortgage information for the time frame XX/XX/XXXX-XX/XX/XXXX was not obtainable. I need Wells Fargo to provide me with an amortization schedule from the beginning my loan XX/XX/XXXX to present in order for the amount owed to be verified. I paid many years of double payments. Wells Fargo replied ; they lost 4 years of history but they claim the amount owed can be verified. During the foreclosure process they perjured themselves when they claimed the mortgage amount owed had been verified and have sworn to this fact. They told the courts they have all my records. How can they have verified this amount due as true if a 4 year history is not present to do so. Also during the course of this time frame many extra principle payments were made in order to pay down the mortgage sooner which need to verified as well. See attached QWR replied from Wells Fargo and recent RFI reply as well.
tried to get a modification through carrington mortgage services, that 's who services my loan. I am 7 years behind on payment do to lay offs, been working steady last 2-3 years making XXXX more dollars a hour then when I bought the house. I been trying to get a modification for years and no luck. I have filled out and sent back modification after modification to be turned down. XXXX tried to help, We had 2 meetings, 1st one carrington said it looked good and might be able to help us. 2nd meeting did n't say much, know I am heading for foreclosure.
CREDIT PROTECTION ASSO is reporting a debt I do not owe. I have never gotten any compensation from this account.