WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I received from Chase ' PLEASE accept our apology ' letter dated XX/XX/2018. about foreclosure that occurred in error and previously reported TO CFPB. 


Because as of XX/XX/XXXX XXXX at XXXX XXXX XXXX conveyed that Chase has still not as promised a month ago, removed my home from foreclosure I feel compelled to submit new complaint. 

Further this letter is inconsistent with what actually occurred & suggest that Chase had already sent me a copy of modification decline. Albeit on XX/XX/2018 I was told a letter went out XX/XX/2018. 
This is actually the first time I have received it.with apology letter. 

Also, never did any Chase representative tell me to make four payments as letter suggest. 
Fact is I was told to make one payment by XX/XX/2018. instructions were ALWAYS one payment before XX/XX/2018 or worse case senario three before XX/XX/2018. 
Which I attempted to pay the three before XX/XX/2018 to no avail because Chase would not accept. 

As previously documented this property should have never been in foreclosure as admissions made by several Chase representatives. 

I have from inception of modification to now done everything instructed by Chase and they have received payments and Chase executive office  promised a month ago my home would be off foreclosure. Chase sent letters that appeared home was off foreclosure and logical progression was XX/XX/2018 payment. 

But than that was requested to be amended by Chase executive office to XXXX and stated that I couldn't pay via phone, mail or branch. And that Chase would contact me when Chase figured out payment arrangement. 
But my home would be removed from foreclosure. 

I am extremely distressed distraught and literally ill over this. 
I am in possession of letter from Chase citing my payments are current. 
But my home remains on foreclosure sale XX/XX/2018 This is outrageous stress that's been going on since XXXX.
Hello my name is XXXX XXXX XXXX I have problems with this company real state solutions on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I was told from them that they will help me with my modification and they did n't do it ... They told me is better for you to sale your home so ... I ask no no. No. That 's why you are helping me ... If you not doing nothing please give me my money back and they say no we are not going to give you the money back I say to them but you told me ... If we can not help you we are going to give you the money back ... .. The bank were I was diposit the money is chase # XXXX I was diposit {$500.00} evry month .... Please help me I need your help thank you
I am a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted Equifax, XXXX, and XXXX to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.
Navient did not respond to my initial complaint filed through CFPB regarding payment application. Also, received my 2016 XXXX year end statement that is reflecting an excessive amount of {$21000.00} in interest.
On XX/XX/2017 it was reported that someone opened up an XXXX XXXX XXXX XXXX and was approved for XXXX without my knowledge. The company reach out to me about missed payment up to {$900.00}.
Last XX/XX/XXXX, I called American Express to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a platinum card, gold card, a blue card and/or a green card. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from American Express without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, gold, blue and green. While checking my inbox on my email, I got credit alert from XXXX on XX/XX/XXXX stating that American Express pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that American Express pulled my credit report from XXXX and XXXX. Another report was pulled from XXXX on XX/XX/XXXX and my credit score dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from XXXX and XXXX ). How can American express do this? I called American Express right away to inform them about what happened to me. I was misled and made to believe that American Express would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from American Express stating that the 3 credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the credit inquiry of American Express, while XXXX and XXXX  still continues to have the credit inquiry of American Express in my credit report. I sent letters to XXXX, XXXX   and American Express to remove and suppress the credit inquiry, but have been unsuccessful. American Express sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to American Express including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!
I have XXXX bitcoins stored in Coinbase (currently about $3000+). On XX/XX/XXXX, I tried to sell and withdraw it to my bank account, but I couldn't because for some reason Coinbase couldn't verify my ID. The ID information that I submitted to open the account was obviously sufficient for me to buy bitcoin, but now they won't let me withdraw my money. On XX/XX/XXXX, I contacted their support center and explained the issue. I got an email back (probably automated) saying that they were looking into it. Then I didn't get any response for a week. On XX/XX/XXXX, I sent another email asking for a response and said I would go to the Better Business Bureau if nobody responded soon.

No response. I went to the BBB. Another week later, XX/XX/XXXX, I got an email with instructions to help me verify my identity. The email instructed me to respond once I had completed the steps. I completed all the steps, but they didn't work. I still can't withdraw my money. I responded to the email asking what to do and got no response for another week. On XX/XX/XXXX I went to their support center again asking for a response, and saying I would go to the CFPB if I didn't get any answer within 48 hours. 48 hours passed, no response. So here I am.
I have previously sent notice requesting additional information on this debt, to date I have not received anything from Troy Capital, but it remains as verified with the credit bureaus. I am requesting this debt be removed from my credit file with all bureaus since I was not properly given notice of this debt or the opportunity to validate or dispute this debt.
I have been writing the XXXX credit agencies to remove the theft off my credit report i even hired attorneys to have incorrect moved and it stills remains which is effecting my credit score and effecting me from getting anything in my name which is effecting my life and my children life. I have file many complains for frauds on my account and still not actions have been made which is getting out of control. I also have things on my report that is pass 7 years old which should have been deleted and things thats not even mines. I filed dispute after dispute and even ask if they can investigate still nothing have happen. half of the addresses on my report i never even lived at. I have several accounts with XXXX, wi XXXX XXXX XXXX which is not mines. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX which is not mines. I will like someone to investigate to see is using my name and ss XXXX
XXXX XXXX XXXX, XXXX, named the XXXX fastest growing privately held company in the US, is the latest in a series of recovery agencies purchasing old WF long time closed credit card debt. In my case, they took me to court to profit on a ( most likely bundled instrument ). I have consistently asked for the " purchase price '' they paid, through the law group they hired, and XXXX or XXXX refuse to give me that information. XXXX hired lawyers. There is a court ordered settlement hearing tomorrow, and then the case is scheduled to go to trial. Are they allowed to profit on me, XXXX, when I have no means to pay, the loan was written off by a bank that got bail-out funds relevant to the 2008 crisis, around the same time period. Were I to be able to come by funds to end the case, those same funds would find more prudent social use being applied to life-saving treatments for a medical condition. Why are certain consumers caused harm and not allowed to dissolve a debt during substantiated illness, job loss, other than through bankruptcy, when banking institutions DO get other benefits and help when as a corporate " entity '', they face their potential demise? And at bare minimum, why are the consumers not given the right to KNOW what their supposed debt is sold for, so they have lower cost options for resolution if desired versus " for profit '' agencies : the option to borrow money from a friend or get assistance from a nonprofit to prevent or end legal harassment for profit. This seems a reasonable option for folks seriously harmed by debt. Prevent stressful ordeals at that opportunistic bundled purchased price when requested. I am in formal Discovery to gain knowledge of what the amount of the " pennies on the dollar purchase price '' was, in order to 1 ) have that fact to work with, and 2 ) to be able to prevent inaccurate XXXX, which will affect my ability to have insurance. I have no lawyer, and like many Americans, can not afford XXXX. Can your agency help? Is there policy or law in effect I do not know about concerning this issue? Is there policy being written for XXXX to be able cancel debt, at the price it 's being sold at to " for profit '' collection agencies?
Collection Agency  continues to remove this collection from  XXXX  and reinsert it without my knowledge to the credit bureaus.
The bank BB & T has excessively charged me overdraft fees. I suspect that they reorder transactions at night for batch processing posting debits before credits. They then settle for the day before applying any credits. My bank statement can prove this.
On XX/XX/2017, I contacted Caliber home loans ( at XXXX ) in regards to my home loan escrow balance and taxes. Let me first start off by saying in order to speak to someone there is a lengthy automated system which has prompt after prompt. Once i spoke to the tax department I then was transferred to customer service. I have an escrow balance of {$3500.00}. My taxes last year were {$680.00}. This year they increased to {$7800.00}. The reason for the increase was due to the fact that we built our home and the previous year taxes were only {$680.00} because the city estimated the taxes without the home and only the land. Upon speaking with a customer service representative ( ID # XXXX ),  he was very confused on the details of my loan which happened the last several times I spoke with Caliber. I asked very clear and direct questions regarding my escrow account : " where is the money being allocated to and how much ''. He began to say several times " ummmm ''. He seemed to dance around my question. This is the only info I gathered being that this info is NOT accessible online. Here was the breakdown he gave me and he said he didnt know how else to explain it. The only reason I have any of this info was because I had to ask several times and redirect him back to the original question. 

{$3500.00} ( in escrow to date ) - {$1500.00} ( to insurance ) - {$630.00} ( PMI ) ___________  {$560.00} remainder ... ...?? Where is the rest of the money going?? He got rude as if I was being unreasonable. The call was recorded. I asked to speak to someone else or a supervisor and he then refused stating he answered my questions to the best of his ability. 

I then was transferred by him back into the que after stating that this was a recorded line and i want to speak to someone else. I then spoke with another woman in customer service. This woman could not tell me what my escrow balance was stating " where do you see that info? ". She then said let me look at the notes from the previous representative. I told her I do not need you to do that. I need you to look at my account and give me direct answers to my direct questions. I explained to her that a portion of my escrow was going towards my taxes and It isnt listed on the annual escrow account disclosure and statement, nor is the breakdown of where the money is being allocated to. She again sounded confused and said I can mail you out another statement. I told her that when someone trusts a company to handle their home loan, they expect direct answers about where and when payments will be made on their behalf and how much. I also told them I would be reporting them for their deceptive practices. I would like them investigated to see why exactly they are unable to give direct answers regarding payments allocated from the escrow account.
I am serious about the applicability and reliability in the recent study along with the balance and missed payments pertaining to CAPITALONE accounts and exactly how they are reporting on my credit report. With Section 1681 ( g ) I recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but until now no information received. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked and these violations persist on my credit report.
XX/XX/ received odd phone call from *restricted* number stating I had a pending court hearing with XXXX County on XX/XX/ @ XXXX and they were wondering why I hadn't responded to papers that I was attending the hearing. When I asked for information they provided only the agency who supposedly filed the dispute XXXX ( XXXX ) XXXX and a file number of XXXX. 

XX/XX/ I contacted XXXX  ( XXXX XXXX XXXX ) and spoke with XXXX XXXX at XXXX. XXXX. I requested verification of the debt along with the original account number. XXXX informed he was not required to provide any verification of the debt via mail or any other type of medium. He couldn't provide any additional information about debt but then generated a quick email about debt verification. He told me the original creditor and the agency that had the debt previously -- XXXX. The dollar amount of the debt was {$720.00}. I offered to settle the debt for {$500.00} on the spot and he countered with {$580.00}. I requested to talk to the original creditor and also XXXX to validate everything. He said ok and to give a call back. 

XX/XX/ I contacted original credit card vendor XXXX and they provided phone number for XXXX whom they sold the debt to. Contacted XXXX and spoke with XXXX. Told her about the phone calls and was seeking verification of the debt and next steps. She offered to take payment immediately on the phone of {$500.00} and to contact XXXX and pull the account back and mark as closed. I received a confirmation and approval email letter after submitting the {$500.00} payment. 

XX/XX/ received phone call from XXXX at XXXX. Told XXXX that the debt has been settled with XXXX. He was irate telling me I had no right to work with XXXX and then hung up on me. 

XX/XX/XXXX received second phone call from XXXX at XXXX. Message stated that " 2-3 weeks ago he mailed me documentation of the debt and verification but that I refused to sign for the documents or never responded '' he went on to say " if I refuse to contact him by XXXX on that he would presume I am refusing to cooperate and he would begin preliminary actions against ''
i contacted chase regarding unauthorized purchases on my account the explanation given was that because i had my card in my position there fore they couldn't refund the unauthorized purchase. it was explained to them that i don't know who the vendor is and i haven't purchased or authorized any transaction. 

vendor : XXXX # XXXX transaction date : XX/XX/2017 amount : XXXX claim date XX/XX/2017
I have 8 student loans thats serviced by XXXX. I have been living at the same address for the past 5 years and XXXX never mailed me anything about my deferment was ending and now they are reporting 5 of the 8 accounts are 90 days late. Tried to resolve over the phone agent stated she would retroactive forbearance since I never received any mailings and they did have the wrong email address. I emailed XXXX XXXX XXXX  and they told me to dispute with credit reporting agencies. So now have I disputed with agencies and cfpb, I want 90 lates removed at once, XXXX is wrong.
Please consider this a formal notice and complaint for the harm caused by XXXX, Experian and XXXX on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies.

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!!

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!
I fell on hard times this past year. I spoke with the company and explained what happened. They continue to call me with a " robo call '', leaving a message every time. This occurs 5-6 times a day, between the hours of XXXX and XXXX. This also includes weekends and holidays.
Address that was not mine was listed on credit report. XXXX card was activated under my name and address was changed by XXXX. Charges that I did not make appeared on my statement with this address. Reported to XXXX and they closed account and is investigating. Want address off all credit reports. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN is not my address or has ever been my address.Please see if you can please remove so other credit cards can not be applied with this address. will have paper work to attach as soon as I get from XXXX but would like this on record.
they first contacted my tele # for my mother who has passed away and then asked for me. rep nor the manager XXXX could properly explain why they are calling me. yes I am upset because one they are calling for my mother is deceased and then because she wanted to talk quietly she threatens to hang up. they are harassing me on debt that was discharged. they is to be from XXXX XXXX I do not even recognize this company.
I currently have an escrow account with Wells Fargo that was established after attempting to have my loan modified. I have documents from Wells Fargo during this process that stated that the escrow account would be removed if I did not qualify for the modification ( which never happened ). I was a victim of their predatory lending practices when they took over XXXX XXXX XXXX loans. I have submitted numerous complaints though CFPB regarding their lending practices, but they always find a loophole to wiggle their way out. This complaint is in regards to my property tax. I have made a formal request with Wells Fargo to pay my property tax independent from them. I am able to pay the first installment now, and will have the money to pay the second installment when it comes due. This is important to me since if Wells Fargo pays my property tax, it will increase my current mortgage payment which is already over {$5900.00} dollars a month ( at 7 % interest rate ). The representative I spoke to said that I would not qualify to pay the property tax on my own, and that they will pay it and my monthly payment will increase in XXXX. This is not fair! I feel that Wells Fargo is trying to push me out, and force me to loose my home. I'm mostly submitting this, just so it can go on record somewhere, because I'm sure like with other investigations by Wells Fargo, they will find a loophole to continue their unscrupulous practices.
I'm unable to use my XXXX checking account as intended. There is a problem where I can't make transfers inbound or outbound and randomly get locked out of my account. When I go to call in, support says they will look into it but never call me back. I want the issue fixed with a fully functional account or the account closed and a check mailed. This " suspension '' is causing ripple effects with other Banks and I have no idea why.
I have a loan with XXXX XXXX XXXX. 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, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, 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/2016.
XX/XX/17 ATM withdrawal. Did not receive funds. ATM made noise and did not dispurse funds. First withdrawal was the max {$400.00} that transaction was completed. The second withdrawal for {$160.00} was incomplete. No funds dispursed. A third test of a {$20.00} withdrawal to infer that the money was not stuck. That transaction was completed. I Did not receive the {$160.00} transaction only the transaction before and after. I have spoken with my card company. I can not get a supervisor no matter what I do. They just put you on hold. Nothing happens. They issued a temporary credit for {$160.00} now they have withdrawn the credit stating there was no atm error. Obviously there was an atm error I do n't have the {$160.00}. The company I use is a pay card * skylight * The company told me that they would send me an email within 48 hours of documentation of the outcome of my claim " atm withdrawal " however ; I have not received said information.
I disputed the Bankruptcy an it came back verified by XXXX XXXX, I called XXXX XXXX and they stated the bankruptcy info was verified by the courts. I wrote a letter to the courts and and email to XXXX asked how do they verify with the credit reporting agencies and the court replied with a letter that they dnt verify with no credit reporting agency and pacer replied by email they dnt either. I wrote a letter to XXXX XXXX and attached the letters from bankruptcy court and XXXX and the bankruptcy was removed from my files I have attached they documents confirming this, I sent this info to the credit bureau and they refused to remove the bankruptcy from my credit files. They are in violation of the FCRA
requested credit report from XXXX on XXXX/XXXX/15 found that chase was reporting negatively on my report as of XXXX/XXXX/15. i am attaching a copy of documentation reflecting timely payments
I was contacted by Student Loan Processing Direct ( XXXX ) by XXXX XXXX in XXXX 2014 for the purpose of paying off my Federal loans, consolidating them and lowering the interest at a fixed rate. A consolidation fee would be need to be payed in the amount of {$390.00} to start the program then an agreed monthly amount would be paid against the loan. Monthly payments were deducted beginning XXXX 2014 to present. When I learned my credit was indicating a negative score from the Federal Loan Program is when I learned this company had changed my contact information & phone number to another address and falsly claimed my loan in foreberence to avoid the Federal Loan from trying to contact me.