WillisBack/dataset-financial-user-claim huggingface dataset:
I have used Chase Credit Card check for 3 % interest last year. I remember that I need to pay in full in XXXX, 2016. So I paid in full much early than due date Chase specified. But I still being charged for interest {$96.00} at interest rate 15.49 %. I am a very careful small business person. But I have still been tricked by these Cunning bankers. Banks and their politicians would like to get rid of CFPB so that they can suck our blood dry, these Greedy bunch. No wonder, American Peoples hate them.
This is my second complaint on this website against Shellpoint mortgage servicing. The first complaint { XXXX } was issued on XX/XX/XXXX. Shellpoint replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report. 
Today is XX/XX/XXXX, Shellpoint has done nothing. Shellpoint is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed Shellpoint that I am attempting to purchase a new home, and I need the lateness 's removed. Shellpoint has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done. 
If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up. 
Attached please find Shellpoint 's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.
I leased a new XXXX through XXXX XXXX. I have been driving the car for 3 weeks now and just received a letter from XXXX telling me they raised my monthly payment by {$4.00} because the tax rate was different where I live verse the area where I leased the car. Can they do this or is my lease contract binding for my agreed payment. I leased the XXXX at XXXX XXXX and live in XXXX XXXX Florida. XXXX claims there is a 1 % difference in the tax rates. No where on my lease does it say this may be done.
The Fair Credit Reporting Act was established as Section Nine XXXX 9 ) of the 1970 Currency Act, otherwise known as Public Law 91-508, and subsequently amended many times. It was established to protect consumers as well as the commercial banking industry. It also establishes a playing field for full disclosure on the validation or verification of credit trade lines or items of public record. 
An item of public record being a judgment granted to a creditor against an individual, having the right of being on a credit bureau, that are part of credit reporting agencies ( CRA 'S ). These items have a right to stay on one 's credit report for XXXX XXXX 10 XXXX years from the date the judgment was granted. However, several changes have been accomplished recently based upon rules on re-aged debts. 
Bankruptcies have a right to be maintained on credit bureaus for ten XXXX 10 XXXX years, be it a Chapter XXXX or Chapter XXXX. 
I personally, as part of my right under the Fair Credit Reporting Act have a right to know where an item of public record originated from, such as a public record vendor. It must be presented to me who the public record vendor was, their contact information, and a person XXXX s ) responsible for the maintaining of any true copy original of an item posted against me on any credit bureau ; i.e., XXXX Trans Union respectively. 
Accordingly, I have submitted a request for full authenticity of a bankruptcy posted against my credit bureau, and that no disclosure has been submitted to me as to where this information originated from. 
I respectfully request that since the credit reporting agency in question has failed to live up to the high standards of the Fair Credit Reporting Act, that this bankruptcy listed be deleted permanently.
In  XXXX  a company I work for in the United States sent me a  XXXX  dollars payment by check by mistake ( because I always request bank transfers, not che cks ) and  sent it to the wrong address in my country,  XXXX .     This check was cashed by an unknown person. The company that sent the check always told me that I was the who had to make the claim to the bank,  XXXX  Bank  XXXX ,  XXXX , and so I made several claims and attempts to solve this issue, but given my country of residence communication was not fluid and it was difficult to send the requested forms, which were rejected, so I could n't find a solution as time went by.     Last year (  XXXX   ) I  decided to contact  XXXX  bank once more and send new documentation and forms, unfortunately, this time JPGMorgan Chase Ba nk, N.A. d enied my claim to  XXXX  giving the following reason : " The statute of limitations or period for notice of a claim under either statute or your deposit agreement has expired. '' Despite the allegedly expiration of limitations, I feel that my claims were not taken seriously, especially since I do n't live in the  XXXX  and I ca n't file a claim in person, causing that my money, which represent an important sum to me, is still lost, and of course, banks are avoiding my claims.
Trans union allowed companies to access my credit report with out my permission. I have sent the unauthorized companies letters that have not been replied to and I have sent Trans union certified copy 's of letters to investigate and delete the unauthorized inquiries and it has been over 45 days and still it has not been done. XXXX XXXX has been discharged for over 7 years mus be deleted. 

I have included a statement of truth to prove I am telling the truth, please delete ALL the unauthorized inquiries from my credit report and XXXX. please do n't force me to sue I have documented every thing and I will win.
on XX/XX/2018 I received ( 3 ) missed calls from XXXX. All calls were back to back at XXXXXXXX XXXX cst. The phone rang 1 time each call then hung up before I could answer which resulted in ( 3 ) different missed calls. I have taken a screen shot on my phone to verify the incident. I contact the number back immediately. The lady stated she was from Wakefield and Associates. I advised the lady that I just received ( 3 ) missed calls back to back from this number and that it was a violation of the FDCPA and CFPB. I asked if my number was on a automatic dialer system and she said no and didn't know why I would have been contacted ( 3 ) times back to back. She then went on to verify me and to tell me that I had a medical debit in the office and requested repayment to the client.
Hello, Ford Credit shows on my credit file as opened XX/XX/2008. This account shouldn't show on my credit file.
I applied for an installment loan of {$2600.00} in XX/XX/XXXX to assist with moving expenses. I had used this company several years ago and while going through a divorce and ch XXXX BK. I received an approval email on XX/XX/XXXX that stated the loan would fun on XX/XX/XXXX. As I read the email, I noticed the checking account and debit card information listed for me was incorrect. The email showed an account with XXXX XXXX bank that I closed in XXXX. I immediately logged into my Cashnet account to update my banking information but their site does not allow customers to update their banking information online, you have to contact customer service. I followed the instructions and emailed a voided check to customer service. On XX/XX/XXXX I received an email confirmation that my loan funded into the XXXX XXXX account. I called customer service and the associate told me it usually takes 2-3 business days for the funds to bounce back and then they would update my banking information and resend. I continued to call and email customer service and they continued to say the funds were not returned by XXXX XXXX. I contacted XXXX XXXX Fraud and Collections, They confirmed that I have not been a customer in over 5 years and that my BK filing is on record and that it prohibits them from holding any funds for a past due debt if one existed. I received nitification that my XXXX payment was returned unpaid and that they would start collections process if i dont pay. Again, I never received the funds!! This is significant and demonstrates how their system is not reliable and dysfunctional. I have received thank you emails confirming receipt of my monthly installment payments since XX/XX/XXXX. I HAVE NEVER MADE A PAYMENT AND THE XXXX XXXX ACCOUNT DOES NOT EXIST! So where is the payment coming from? They have no idea because its not coming from me or any account used by me. This is prime for fraud and other financial crimes. Their system is used to facilitate ACH payments from checking accounts and the information is incorrect. I will attach a very rough document showing some of the email correspondence. I copied them as is and placed them on a word doc for review.
In XXXX, XXXX your office assisted me in a very horrible experience with XXXX XXXX XXXX and the mortgage crisis that happened during this horrible time. I was a victim of this horrible fraud by the mortgage lenders and after a long two year battle, I successfully modified my loan, in XXXX, XXXX. I though that my nightmare which severely impacted my life was over. I guess even with {$63.00} XXXX dollar fines, this practice is rearing it 's ugly head once again and I need help. XXXX XXXX XXXX sold my loan to Greentree Servicing who is now called Ditech. I was a XXXX, Greentree now Ditech customer. Because of my loan modification it clearly states if I have any delinquent payments the agreement can become null and voided and obviously I would be in foreclosure and possibly lose my home which is a fear I will never forget. I have lived in my home 31 years, raised all my children here and now grandchildren. The emotional distress this is causing me is insurmountably hard, I have sleepless nights. 

I made my regular payment, as I have always done but noticed my payment was not applied. I contacted Ditech immediately to have this corrected. Ditech informed me that due to their new " system '' my auto pay was cancelled and never notified me that in writing. I IMMEDIATELY made a payment over the phone on XXXX/XXXX/XXXX for the XXXX payment, and their rep XXXX XXXX from the XXXX, NC office MISAPPLIED my payment to principle instead of my house payment. So you understand how serious this is to me as I have XXXX trust in the bank, I schedule my auto pay on the XXXX of each month in order for me to babysit the process and give them enough time to mess up so it 's not close to the final due date. I have been calling daily to have the payment reallocated from principal to house payment and backdated to the date it was paid to no avail. It has been 8 business days. They continue to tell me my payment will be applied, but again I do not believe them and feel that this nightmare is starting once again! I have an extensive phone long and recorded my calls to them as they will not give me anything in writing that shows I did make my payment on time and it will be backdated and reallocated properly. I have spoken to 8 supervisors who make empty promises and it is my fear that this will fall through the cracks, just like what XXXX XXXX XXXX did, say they are missing a payment and threaten foreclosure. 

I 'm not surprised that they will not put any of these conversations or complaints in writing. I sent them a written demand to investigate this but again, due to lack of trust and reading that this mortgage services IS STILL PRACTICING UNETHICALLY I am reaching out for your assistance. 

Thank you for any help you can offer. My fear is that this housing crisis that I lived through is slowly coming back. The internet has hundreds of recent stories that mortgage service companies such as Ditech as still doing this unethical practice.
Collection is being reported that was paid to the original creditor. I have had no contact with the collection agency prior to the debt being paid to the creditor. They refuse to remove it from my credit report.
the company investagated the wrong XXXX acct they investaged a closed acct not the acct that is the only neg acct on my report the one i asked to be disputed XXXX never put my change of address in so bills were going to wrong address only reason i found out was from my annual credit report i called XXXX paid off acct on XX/XX/2016 was told they would fix credit report cause they messed up nothing has been correctd please help my score was XXXX before this happened
I had phone service with XXXX years and years ago. I worked at a company that I did not get service with for the whole time I was there. I wrote to them and advised them that they were not filling their part of the agreement/contract and if I could not get service at my job. I had XXXX other accounts in which I tried to utilize at the job and to my avail they did not have signal either. At that time my contract with XXXX became null and void. I advised that I could have a family emergency or anything that could transpire while I was away from my family and could not be contacted on any of the phones I tried there at the office. XXXX agreed to discontinue my contract with any fees included to be removed considering I had been a previous customer for about 7 years. It was n't a personal decision they could just satisfy my need. They have since taken off the fees and what was owed added them back taken them off and then added them back again. When they add information back to my credit report it is always in a different amount. It went from {$780.00} to {$640.00} and now {$390.00} has been added back to my credit report. I do n't understand how they agreed to have any charges credited from back in 2011 and now every time I lookup there is a different amount being added to my credit.
On Monday, XXXX XXXX, 2015 my father-in-law an elderly person requested help from me ( daughter-in-law ) and son due to XXXX XXXX XXXX not receiving the payment. After authenticating my father-in-law about XXXX times. The Bill Pay Transaction to XXXX XXXX XXXX for a phone bill of {$50.00} paid on XXXX XXXX, 2015 was never received by XXXX XXXX XXXX which has caused my father-in-law stress after never having any issues. It is unfair and deceptive practice that Chase gave the runaround from XXXX until XXXX, where we patiently waited XXXX XXXX hours for a Claims manager due to the 'high volume ' of calls, when I was finally transferred to a Manager in the XXXX after speaking to over XXXX different Chase representatives ( various of which we did n't document their names, a few were XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX and lastly XXXX XXXX, claims department manager ). 
The call started with a simple question as to why XXXX XXXX XXXX had not received the recurring payment for the phone bill. Chase referred us back to XXXX XXXX XXXX to provide them proof of payment which XXXX XXXX XXXX did not approve and requested that a " Transmittal Report '' be faxed directly from Chase. We then contacted Chase again and requested the transmittal form which all representatives were not familiar with and they continued to transfer us to different representatives where the issue was finally and hopefully resolved by XXXX in the evening. 

It has been the worst experience with Chase and the type of experience and most unfair practice. There is lack of training, and it is important that clients and elders are n't treated with this type of experience.
On  XXXX   XXXX ,    2017  at    XXXX   XXXX   XXXX   XXXX  , I  spoke to a Discover representative  XXXX  to see if Discover would reduce my APR interest rate. He said they could if I voluntarily suspended my account, and it would not affect my  credit score. I explained the reason I opened an account with Discover was to improve my credit score,  that my interest charges were making it impossible for me to reduce my balance. I told him I made over the required payments due monthly and have never been delinquent with my payments. and have not used my card for several months. I did not want to file bankruptcy. He thanked me and stated my  credit score  would not be effected. I received my    XXXX  2 017    statement and my  credit score  was affected, it read  XXXX  it was previously  XXXX . I called Discover toda y    XXXX   XXXX  ,  2017  at  XXXX    XXXX    spoke to   XXXX    XXXX  ;  XXXX   XXXX  told her of my previous conversation she transferred me to a representative named  XXXX   XXXX  ;  XXXX   XXXX  I told her of the previous conversation that I had with  XXXX , and the reason I voluntarily suspended my account was to better my  credit score she was very rude and dismissive she stated we dont do that, go online and check your credit score  I then asked if she would give me the name and address of the  C.E.O.  of Discover bank. She replied What? I repeated th e Chief Executive Officer of Discover. She replied What whos that? I said it would sound a lot nicer to say ex cuse me. She said Ho ld ON!  I held on f or fifteen  minutes, called back  XXXX   XXXX   XXXX  answered again, I asked to speak to her supervisor or Manager She said hold on I then spoke to Supervisor  XXXX  Id #  XXXX   XXXX    XXXX    told of the conversation with  XXXX  and asked if he would give me the name and address to the corporate department of  Discover  he said I can not, gave me  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I asked if he had a physical address to the C.E.O he said no, I asked if there was a  manager  that I could speak to he said there are several managers I asked can you give me a name he said  XXXX   I asked    may I speak to  him he said they dont take calls you can write to the address I just gave you and they will look into it. I then called  F.D.I.C  who referred me to your department.
XXXX XXXX XXXX XXXX XXXX, placed a collection on my credit report on XX/XX/2018 from a old XXXX XXXX debt. The account was already previously removed from my credit report and they some how were able to place it back on without sending me any written notices or letters. I have never received an official document from them. When I did dispute the collection they then threatened me on the report saying Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. But I still have not actually received any official letters or documents from them.
A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam. 

I had to go through this long, painful process with XXXX, XXXX and Transunion the last time. They just blindly allow people to put negative information on my report - the same information that has already been removed twice!! Enough is Enough!!
I am a victim of identity theft. The info rmation listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have ma de. It is the result of identity theft.
The company Has not yet responded to me. I spoke to a representative who said I would get a call back the same day so my account can be closed and the interest can stop being charged which is over 300 % interest. I Want to pay my debt but since Ive been laid off I can only afford to pay my principle balance, over {$300.00} in interest is being added to my account every 2 weeks. They have no responded as of yet..I sent the email to them that is below. 




Account # XXXX URGENT XXXX XXXX XXXX XXXX Dear XXXX XXXX, Recently due to unforeseen circumstances I was laid off from my position as a XXXX XXXX  in the XXXX XXXX. I have very little money available at this time to keep up with bills including credit cards, loans, cash advances. I will have just enough money to keep the lights on and feed my children. Per the Fair Debt Collection Practices Act, Federal Trade commission, and the Consumer Protection Bureau I hope we can come to fair terms in regards to repaying my outstanding debt. I would like to pay off my debt completely within a set time period with freezing the amount of interest being charged so I can put every payment towards my principle balance. I would like to start paying immediately. At this time if you could please stop any ACH withdrawn or Debit withdraw from account ending in # XXXX and card ending # XXXX as I do not want to attain any fees from NSF. 

Please, your co-operation is appreciated and Im hoping to repay my debt with set payments over a set time period without any additional interest being charged or added. I look forward to hearing back from you as I am trying to take care of my responsibility with XXXX. Please email me at XXXX or I can also be reached at XXXX. I will get back to you as quickly as possible. 



Thank You XXXX XXXX XXXX Acct # XXXX
XXXX, XXXX , & TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX
I checked my credit score at XXXX and it seems I have a XXXX $ charge in 2015 to XXXX XXXX. Ive never used that service or company. Now my score is XXXX. Also there seems to be XXXX addresses listed in my report that I have never resided at.
I applied for a loan modification with Nationstar, based upon the qualifying hardship of a legal separation which will result in a reduction of household income and a significant increase in my expenses, because I will need to pay spousal support once my former wife moves out. I filed an appeal which was also denied because they do not consider legal separation the same as divorce, even though the hardship affidavit list them together, another reason given is that the loan is in just my name, which is not a valid reason because I will be retaining ownership of the property, and my former wife, even if she were on the loan, would need to be removed.