WillisBack/dataset-financial-user-claim huggingface dataset:
I keep an eye on all XXXX because I 'm in the process of buying a house. After monitoring my credit profile with all XXXX bureau, on XXXX XXXX I check my Equifax report everything was fine, I rechecked it on XXXX XXXX my score fell XXXX points without any negative activity whatsoever besides making all my payments on time and all balance decrease. After speaking with XXXX representatives they said theres NOTHING they can do about it.
I am writing now in hopes to receive your help. Presently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. You play a vital part in this process. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/2018 and I am submitting this to have this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
The Chase-Direct Non-Prime Lending Center was established in XX/XX/XXXX, in the Chase Manhattan Mortgage Corporation ( CMMC ) branch at XXXX XXXX XXXX, XXXX XXXX, PA XXXX ; as a direct-marketing mortgage lending center, dedicated to originating non-conforming, subprime and Alt-A conventional home mortgage loans. This non-prime lending center ( aka : subprime lending boiler room ) was manned by teams of quasi-independent mortgage brokers known as Chase Lending Specialists, who specifically-targeted XXXX Americans, and other economically-disadvantaged consumers, residing in urban MSAs/MDs. After these so-called lending specialists originated non-conforming/subprime mortgages, they were immediately sold to other JPMorgan Chase and Company affiliates ; who subsequently securitized these metamorphosed-mortgages into bogus RMBS Certificates, that were then sold to unsuspecting GSEs, financial institutions, and private investors. This dubious, two-tier mortgage loan origination process, sanitized/cleansed these non-conforming loans by deleting geocoding information ( i.e., MSA/MD, state code, and Census tract ), as well as : rate-spread/subprime interest rates, racial/ethnic demographics, HOEPA status, lien status, and other factors, that identified these loans as non-prime mortgages, rather than prime mortgages. This subprime lending boiler room was operated by three JPMorgan Chase and Company ( JPMCC ) subsidiaries : Chase Manhattan Bank USA, N. A., JPMorgan Chase Bank, N. A., and JPMCCs wholly-owned Limited Liability Corporation : Chase Home Finance, LLC [ aka : Chase Manhattan Mortgage Corporation ( CMMC ) ], and originated more than two-hundred thousand subprime/Alt-A mortgages, before it was shut-down in XX/XX/XXXX. JPMorgan Chase Bank, N. A. still provides conventional home mortgages to some of the MSAs/MDs targeted by the Chase Lending Specialists ; and the XX/XX/XXXX-XX/XX/XXXX HMDA-LAR Public Disclosures show that these XXXX Americans residing in these MSAs/MDs have never recovered from the XX/XX/XXXX-XX/XX/XXXX Predatory Lending, Mortgage Loan Fraud, and XXXX Discrimination/XXXX  Profiling practices of the Chase Lending Specialists.
They were harassment to call me many time. then I called them and who are you? they said XXXX XXXX XXXX for you. make me confuse happen. what I make payment to who or owe to who?? They wouldn't tell me nothing. I feel so funny think They are scam. 
so I would stop to call them. and They harassment call me many time make me tired and complaint. But I have a very good my credit and no problem. 
I give you it phone number : XXXX for XXXX My phone number : XXXX and my name is XXXX XXXX
Co-owners ' rights and obligations can be altered by a written agreement. The rules described below apply unless a written agreement exists that provides differently. 
TENANCY IN COMMONExcept for married couples or registered domestic partners -- who are presumed to acquire all property as community property -- persons who acquire real property jointly normally own the property as tenants in common, unless the instrument under which the property is transferred to them provides otherwise. All co-tenancies between unmarried persons that are not expressly made joint tenancies or partnerships are tenancies in common. A few of the key features of a tenancy in common are : Ownership and Transfer. Unlike joint tenants, tenants in common can own equal or unequal interests in the real property they acquire, and may acquire their interests from different sources at different times. Each tenant in common may sell or encumber his or her interest without the knowledge, approval or consent of the other co-tenants. A tenant in common has no right to convey any other co-tenant 's interest, and any such attemptedTHE PROPERTY IN QUESTION WAS IN A TRUST WHERE ALL BENEFICIARIES WERE TENANTS IN COMMON INCLUDING THE FORMER TRUSTEE ( BENEFICIARY ) BUT AMERICAN GENERAL FINANCIAL/SPRINGLEAF ENCUMBER THE ENTIRE REAL PROPERTY WITH AN UNFAVORAL LOAN PER THE PROBATE COURT, WE HAVE TRIED OVER AND OVER TO FIND OUT HOW THE FORMER TRUSTEE GOT THE LIEN WITHOUT THE PERMISSION OF THE BALANCE OF THE BENEFICIARIES. HE DID NOT REPORT THE SETTLOR/TRUSTEE 'S DEATH FOR ONE YEAR 4 MONTHS AFTER SHE DIED AND 5 MONTHS AFTER HE TOOK OUT THE LOAN ON THE PROPERTY. THE REAL PROPERTY IN THE TRUST WAS THROWN INTO FORCLOSURE BECAUSE NOW SPRINGLEAF FINANCIAL WOULD NOT WORK WITH THE NEW TRUSTEE OF THE TRUST.But that does not mean that the other beneficiaries are responsible for that loan that is his along even though he was theTrustee he is also a beneficiary and must not be partial in dealing with the trust property '' IN THE TRUST IT STATES THAT IF ONE OF THE BENEFICIAIRES DIE THEIR " ISSUE '' IS TO INHERITE THEIR SHARE, Equal Right to Occupy the Entire Property. Although tenants in common can own unequal interests, unless agreed otherwise in writing all tenants in common have an equal right to possess and use the entire jointly owned property. No co-tenant may exclude any other co-tenant from any part of the jointly owned property. Because all owners have an equal right to occupy and use the entire property, no tenant in common may collect rent from another co-tenant. 
THE COURT ORDERED XXXX TO PAY RENT BECAUSE HE HAS ALREADY MOVED HIS FAMILY AND HIMSELF IN AND HAS NOT COMPENSATED ANY OF THE BENEFICIARIESNo Survivorship Right. A key feature distinguishing a tenancy in common from a joint tenancy or community property interest is that a tenants in common interest carries with it no survivorship
I originally had my loan with XXXX XXXX XXXX. They sold the loan to XXXX XXXX. XXXX XXXX showed me 4 months behind, and when I told them that was inaccurate they promised to send me a statement of payments sent by XXXX. They never did. XXXX then offered a payment plan. I qualified but they never sent the plan. They then sold the loan to XXXX XXXX. Now XXXX XXXX has told me that they can not read the transaction activity sent by XXXX and have refused to send me the information. I have requested this information from the Account Manager Mr. XXXX. He told me that XXXX did not send all the information and he was still awaiting information from my file. In the meantime they refuse to take payment. I have made simple request for information that I am entitled to and have yet to receive.
I received my credit report from XXXX XXXX. There are a number errors. I do not or ever had a XXXX XXXX credit card. I complained about this error a few times over the years. 
I have never lived XXXX XXXX XXXX XXXX XXXX, or at XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. These errors were supposed to be corrected a few times but keep coming back. 
Thank you for any help you can give me. Sincerely, XXXX XXXX
On XXXX XXXX, 2016 I had contacted Professional Choice Recovery and asked to pay my collections debt off in full. At that time I was given the balance. I then gave permission to withdraw the entire balance from my checking account. Since I called on a Friday afternoon, PCR stated they would pull it the next business day. I then confirmed that no other payments would be required and my account would in fact be paid in full. PCR confirmed. On XXXX XXXX, 2016, I had two amounts withdrawn from my account. I was then under the impression my account was in fact paid in full. 

On XXXX XXXX, 2016, I received a call from PCR stating there had been a clerical error and that I still owed another {$230.00} and asked how I would like to pay that. They stated that they ran the payment for {$230.00} less than what they should have and I needed to pay on behalf of their error even though it was confirmed by PCR that my account was paid in full after my XXXX final payment.
I am filing a complaint against the 3 credit bureaus Experian, XXXX, and XXXX. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and 2 more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, Experian and XXXX  removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.
i have sent over a police report and ftc afidavit and statement to transunion on  XXXX  occasions they have refused to remove these fraudelent inquiries. I have reported the incident to the police and then went back and updated the report. Transunion refuses to remove these inquiries. I did not give these people that are listed the permission to run my credit. Transunion refuses to remove them or verify the validity of them.
I traveled with a friend to XXXX and XXXX  in late XX/XX/2018 and stayed at an XXXX apartment in XXXX XXXX ( 4 nights booked ) and at an apartment in XXXX, XXXX ( 5 nights booked ), and I paid for the entire expense on my Chase credit card, which carries trip interruption insurance benefits. My friend reimbursed me for half the lodging expense, as we were splitting the cost of lodging 50/50.

Two days into the trip, I received word that my mother had suffered a XXXX and was in XXXX XXXX in a XXXX hospital. I rushed back from XXXX  to XXXX ( where I live ). I used only two nights lodging at XXXX XXXX and none of the lodging in XXXX XXXX.

I reviewed the Guide to Benefits published by Chase for my credit card and qualified under the criteria for a trip interruption claim. I claimed half of my expenses for the unused portion of my lodging ( i.e., I made a claim for half the expenses of two nights ' lodging lost in XXXX and half of 5 nights ' lodging in XXXX ).

Chase Card Benefits denied my claim, stating that because my travel companion used the lodging, I was not entitled to reimbursement of my share of the expenses. They cited a provision in their plan of benefits stating that Chase would " reimburse for the unused non-refundable land, air and/or sea arrangements, '' stating that because someone in my party used the lodging, they could not reimburse my claim.

I was the insured, a qualifying event caused my trip interruption, and my portion of the apartment that i paid for was " unused '' by me, the insured There is nothing in the Chase Guide of Benefits that imposes an additional requirement on me to prove that no one in my travel party used their portion of the shared accommodation. Chase has denied my insurance coverage in bad faith by imposing additional conditions to my making a claim that are not included in their Guide to Benefits.
Received voicemail at XXXX XXXX/XXXX/16 and is as follows : " Name this is XXXX XXXX Reliant Capital Solutions XXXX XXXX XXXX XXXX '' returned phone call, spoke to someone who transferred me to her, she answered the returning phone call without identifying herself and only after verifying my phone number and last XXXX of my social did she disclose the was attempting to collect a debt.
I contacted Chase Mortgage and Chase branch XXXX located on XXXX and XXXX XXXX XXXX Mi XXXX in early XXXX 2015 and on XXXX/XXXX/2015. And asked if I could pay my escrow shortage plus additional funds to reduce my monthly payment amount for the following 12 months. I was advised by Chase Mort rep that as long as the additional funds were submitted by XXXX/XXXX/2015. Then the monthly payment would be reduced as the escrow portion of the payment would not need to be as high. I called Chase Mort on XXXX/XXXX/2015 and spoke to a rep, that advised the previous reps provided incorrect information and that was just too bad. I asked to speak with escalated services and was transferred to XXXX at XXXX ext XXXX and was told I could have a refund of the additional funds paid. I advised I did not want a refund, I want to complete my original request. XXXX advised that there is nothing that can be done to complete my request. I asked if the escrow analysis could be re-ran then have updated payment amount re-disclosed, XXXX advised no, if a new analysis were to be ran it would just create a refund of the over-payment.I asked XXXX to file a formal complaint on my behalf and provide a complaint confirmation number, XXXX stated she could not file a customer complaint but I could fax in a written complaint. I asked if she had a manager that I could speak to she advised her manager is XXXX XXXX, she connected me to voicemail but stated he was unavailable and she did not know when he would be available. I left a message for the manager to call me back, but have not heard back.
I have requested debt validation information from Parson Bishop National Collection and have not receive any legal documents that show they have the right to collect on this debt or where it came from. They have reported this un validated information to my credit report
I have been receiving calls from these people for about a week but I never answer because my XXXX  has there number filtered as a scam number ( XXXX ) but today XX/XX/17 a rep named XXXX left a voicemail stating there is a case naming as a defendant and they will pursue unless I call them at XXXX. So I call the number and XXXX an account XXXX answers the phone giving the companies name as XXXX XXXX. He wants me to verify DOB and SS # which I did not do because these people are clearly scammers. He refused to give me any information and he stated that since I would not verify my personal information he will be calling a bunch of random people and just giving them the ss # and DOB they have on file and then hung up in my face. I called back and got XXXX who immediately hung up when I asked for their address. I called back again and XXXX answers and he said he is not providing me with their address or a mailing address and hung up in m face again. These collection practices are not only illegal but they violate ALL consumer credit debit collection laws. If these people continue to harass me and break the law I will file a law suit. I have them recorded!!!!!!!!!!
Midland Credit Management called. They were told that there is no debt. I get at least 5-6 calls a day from them. I blocked the calls on my phone. They keep calling.
I signed up with Wells Fargo along with my son to get the {$250.00} incentive when opening an account and use it 10 times. After I signed up and used it 10 times, I noticed they did n't put {$250.00} in my account ( but my son already got his {$250.00} ). I wrote a message and was told " When a promotion has been credited, customers will see them on their accounts. Without a   XXXX   on file, the incentive can not be applied. '' So I went to the local Wells Fargo branch to submit my  XXXX , weeks later they still said never received, until they called the branch to realize the branch did n't submit it  XXXX  even though they had in their possession. After that they said it would take another 5 business days ( this was  XX/XX/XXXX  ), on  XX/XX/XXXX  I wrote another message only to find out they have no idea what is going on and " have escalated and will take another 14 business days to find out in a letter ''. It is now  XX/XX/XXXX  and Wells Fargo says ( " bonus not posted because I am not " targeted '' ), which is completely false information, and makes no sense if that is true as my son already got the {$250.00}, also the fact they keep asking for more information for no reason. I would like the {$250.00} to be applied to my account or I will have no choice but to take Wells Fargo to small claims court
I have a Barclays XXXX XXXX card and have three unresolved issues.

1. My purchases at XXXX should be generating 4x points for restaurants however some transactions are only generating 2x rewards for online purchases whereas some are posting 4x points correctly. Customer service claims this is a merchant problem however it does not explain how the same exact merchant and transaction type is posting two different tiers of rewards.

2. I qualify for the $ XXXX/year streaming service reward for meeting a spending threshold. This reward is not being given to me - even though I charge several streaming services to this account, none of them are being credited back and the {$50.00} credit remains unused.

3. The transaction for sling should post 2x rewards for being an online streaming service. In fact, the marketing material for this card specifically lists sling as one of the qualifying streaming services. However, customer service is incorrectly claiming that XXXX is a cable tv service and doesn't qualify for 2x rewards.
I HAD A STATE TAX LIEN GARNISHED FROM ME XXXX TIMES AND ITS ON MY CREDIT REPORT AS BAD CREDIT
they keep calling with different amounts due saying i owe them over 500 dollars in debt. iv tried contacting them and appeal the amounts. my insurance company already paid for the services they are trying to charge me for. they have harassed all hours, i tried blocking numbers and they just keep calling me with different numbers with different area codes. very frustrating. could you please put a stop to this. they call everyday about every other hour.
I have repeatedly asked that my full name including middle initial be used on all bills, medical files/records and correspondence yet in over two years this hospital and this particular doctor have verbally promised but then refused to follow through. If my middle initial is not included then it causes confusing and is often added to my father 's credit history because he shares my fist and last name, just not my middle named. I also can not use the billing receipts that the hospital and doctor provides as proof of my medical expenses on my yearly taxes because my middle initial is not included. Due to a XXXX illness XX/XX/2013 I had to move in with my parents for a period of time and our medical records were mixed up after hospitals and doctors failed to heed my request that my middle initial be used at all times. 
Now I have been referred to a collection agency because the hospital and one doctor has refused to provide me with an official receipt bearing my middle initial!
On XXXX/XXXX/2015 at XXXX Eastern Time, I drove up to the ATM at the Chase Bank Branch located at XXXX XXXX XXXX, XXXX KY XXXX to make a cash deposit. I was in a hurry and made the mistake of not counting the total deposit amount, but I would estimate it to be between XXXX and XXXX dollars. I fed the money into the ATM and got a receipt that said there was a technical problem with the ATM and to contact the bank to resolve. I went into the bank branch and was told I had to file a claim, which they did for me, Later that day, I received a " temporary '' credit of {$53.00} while they reviewed my case. They mentioned they have the option of taking the money back if they do n't find an error occurred with the ATM. Chase has a reputation for not giving customers back their lost funds and I am concerned that I will not get back the remaining {$30.00} to {$40.00} in lost funds but also they will try to take back the {$53.00} they did give me. I do not trust these people and feel like they are going to give back all of my money. If you can help I would appreciate it.
Quicken loans has failed to satisfy my XXXX taxes for 2015 after my loan closing on XXXX which provided for payment in full. The response I have received is pathetic. I have repeated over and over why the payment was rejected and the customer service is unacceptable. I will commence legal action as a result of your inept response. XXXX is my loan number and I am telling everyone on social media about your pitiful service.
On XX/XX/XXXX we traded in our used XXXX XXXX for a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX, CO. On the XX/XX/XXXX we had a family medical emergency and our son was flight for life to XXXX Hospital in XXXX , CO . Which we were there for three weeks. During this time I received a phone call from our XXXX XXXX saying that we were over 30 days late on the XXXX that we traded in back in XXXX. I immediately contacted XXXX XXXX XXXX and spoke with a guy in the Finance Department. He looked into it and saw that we had not owned or had the XXXX since the date of XX/XX/XXXX and that the paper work that they had done on our new loan with the XXXX was done incorrectly and because of that the new loan was not yet processed and the credit union was not paid off because of this paperwork that was not done. He told me that this was immediately going to be corrected and that day they were going to down cut a check to XXXX XXXX XXXX CO for the XXXX and told me that they would take paperwork to them to show that we had not had possession of this XXXX since the beginning of XXXX. This was the first week of XXXX and now being XX/XX/XXXX, we noticed from a report that our credit has taken a huge hit. So, after calling the XXXX XXXX XXXX CO I was informed that they had just paid off the XXXX on XX/XX/XXXX. I have, once again called XXXX XXXX XXXX to tell them my issue ( again ) and demanded that they give me a letter or proof that we did not own this vehicle as of XX/XX/XXXX and that this needs to be corrected IMMEDIATELY!
WELLS FARGO SHOWED THEY PAYMENT AS BEING LATE WHEN INFACT IT WAS NOT LATE. ALL PAYMENTS WERE MADE ON TIME. THE DATES OF WHICH THEY ARE SHOW AS LATE PAYMENTS ON MY CREDIT REPORT ARE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX.
halsted financial service CALLING ME ALL TIME OF NIGHT AND DAY.THREATEN ME TELL ME THAT THE ARE GOING TO PUT COPS ON ME AND CALLING MY JOB ALL THE TIME