WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir/Madam, Subject : Complaint Against Neighborhood Assistance Corporation of America ( NACA ) My home Mortgage with XXXX XXXX XXXX was initiated through Neighborhood Assistance Corporation of America ( NACA ) which is a non-profit organization, getting XXXX Dollars from Members and also from Government. NACA have/had been advertising that getting Mortgage through them, Members would not have to pay closing cost, down payments and other benefits, which proved to be false also. XXXX XXXX XXXX was already offering many benefits to their members like me as I have Accounts with them for many years.. I am attaching their promotion flyer to me. Neighborhood Assistance Corporation of America has been adding $ XXXXmonth in to my mortgage payment since the closing of mortgage on XXXX XXXX, 2009. At the time of closing, They did not explain anything about that adding $ 50XXXX to my mortgage payment and had me sign a contract between them and myself before closing of Mortgage, without explaining it or letting me read it saying it 's just formality. I did not receive the copies of contracts at time of signing it, which they sent me quite recently after I had filed a dispute with them and second Contract I received was even later. Also on XXXX contract, my wife is not included and added in XXXX contract and in that contract it 's not her hand writing and signature or mine. They had explained me through lots of meeting and conferences when I was working with them regarding getting the mortgage loan with XXXX XXXX XXXX that their program helps mortgage holder in economics/financial hardship to avoid foreclosure and make my mortgage payments for up to XXXX times at a time. I am Unemployed for several months, actively looking for work so I contacted NACA as I was facing severe Financial Hardship and talked to several people from NACA through several telephone calls and emails, including their managers and provided lots of documents to them on their request but I was not getting any help what so ever, getting false promises and runaround and later they were not even replying to my phone calls or emails. I recently received that copy of contract between NACA and myself, which states that they will be making payments to my mortgage lender and other clauses of contracts are very one sided and deceptive, till I get back on my feet. Later they were not letting me cancel the contract and keep adding $ XXXX/month and XXXX XXXX XXXX would let me do it as They have Contract with XXXX also.. I do have proofs of my Complaint, which I can share with you as and when needed. I have Loan to catch up with my Mortgage Payments to XXXX XXXX XXXX, which have added to my XXXX Debt. 
NACA is very Clearly in Violation of several Rules ans Regulations, some of which are as follows : Unfair and Deceptive Trade PracticeDebt Adjusting ACTThe Mortgage Assistance Relief Services ( MARS XXXX RuleBreach of ContractIf you have any questions, please feel free to contact me. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX
1. XXXX XXXX, unauthorized charges deducted from my account for purchases and subscription through XXXX XXXX ( XXXX and XXXX ). Credits were issued, but not accurately posted back to my accounts. Done as a bank transfer to other account, XXXX XXXX XXXX Account ending in XXXX with Exp XX/XX/2018. Has transferred over {$5000.00} by use of XXXX account by placing said XXXX XXXX XXXX Card on account and removing XXXX XXXX Debit Card Account. Just want money back from XXXX Account and credit from a XXXX Purchasr for unauthorized use and access with a fraudulent card/account.
Requested report and score ( for which I authorized payment ) from TRANSUNION CREDIT CO. Suddenly there appeared a monthly {$19.00} recurring charge on my credit card. Did n't authorize, did n't know what it was for, no confirmation or acknowledgement sent to consumer that such charge would take place. After researching the internet I was able to get instructions to " cancel '' my " membership ''. There were many such complaints online about this practice. TU has said there will be no more charges. The sales rep had such a strong foreign accent that I could barely understand him. I have also alerted my credit card company who have said they will cancel any TU charges and issue a new card if necessary. I have alerted them as well and am still fuming. Thanks for providing this site.
I am trying to complete a Home Equity Line of Credit loan with JP Morgan Chase. They discovered an " open '' lien from XXXX of their predecessor banks ( XXXX XXXX Bank XXXX New York ). I provided XXXX evidence of the pay-off of that loan in 1996. They still have not processed this lien satisfaction and now have closed the application due their own inability to process in a timely fashion. This has closed my fair access to such credit to be denied.
In a letter dated XXXX XXXX, 2016 attached in its response to CFPB Case No. : XXXX ( attached to this complaint ), Capital One states, " After reviewing your account, we confirmed that this is a valid debt. '' Since the court judgment in my favor and against Capital One adjudicated the alleged debt it is unclear what the basis is for Capital One 's statement on the validity of the debt. 
In my reply to that dispute, I requested that Capital One provide me any evidence they have of the allegedly " valid debt ''. Since it has been two weeks without any response from Capital One, I am filing this complaint to again request this evidence of a " valid debt ''. 
Again my mailing address is : XXXX XXXX XXXX XXXX, AZ XXXX
I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. I have attached copies of the letter received from cfpb stating the misleading fraudulent delinquent account will be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete I it immediately.
I 'm tired of them not updating my balance to people so they can see my balances and I 'm also tired of have money then week later it just disappears because there balance system does n't update right nor on time.
I applied for Chapter XXXX in XX/XX/XXXX, completed my payments, and was reaffirmed and then discharged in XX/XX/XXXX with all arrears paid through the bankruptcy. ( attachment 1 ). I continued to make my mortgage payments through ACH debit to Bayview without issues until XX/XX/XXXX ; when they began rejecting my payments without explantion ( attachment 2 ).  My bankruptcy attorney attempted to assist me with resolving this however, Bayview refused to respond to his inquiries, recorded a Notice of Default,  and demanded the total amount due ( attachment 3 ). They have now recorded a Notice of Trustee Sale ( attachment D ) on my property and I am forced to consult a litigation attorney.
A time line is attached. My mother applied for a HELOC in the est. amount of {$38000.00} in  XX/XX/XXXX  and suffered a   XXXX    XXXX  in  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  . She was a   XXXX   XXXX   XXXX   having  XXXX  three times a week and struggled from the time she  XXXX  - in and out of the hospital,  XXXX ,   XXXX   XXXX   XXXX  , admitted into  XXXX ,   XXXX   XXXX   XXXX  , and all along, she tried to rebound, but did not until she passed away in  XX/XX/XXXX . While enduring the instances mentioned, my father was also struggling with the after effects of   XXXX    XXXX  and  XXXX , later passing away in  XX/XX/XXXX . Neither my father nor I realized that personal fraud was occurring in my mother 's Bank of America account until  XX/XX/XXXX  or  XX/XX/XXXX . My father noticed that something was wrong and asked me to find out who the strangers were listed in the account. I followed his direction and went to the bank and the manager spent the time to review the account and discovered that people were stealing funds. She gave me the necessary paperwork to complete while in the bank and with her assistance, the account was closed. There is no conceivable why that my mother could spend that amount of money during the time she applied for the funds, enduring her   XXXX   and until her passing. As did my father with his separate bank account that he held at another banking institution, my mother always managed her finances. Along this time, she was receiving her annuity from her previous employer,  XXXX   XXXX . Time and time again, I have filed reports with the bank with no resolutions and it does not settle well to pay back money when it was stolen.
I received a letter from our Mortgage lender ( Seterus Inc. ) on XXXX XXXX, 2015. The letter states that " an escrow refund in the amount of {$650.00} has been requested and will be sent to you under separate cover once processed ''. To date, I have not received this refund. I have called XXXX times and each time I am asked to call back.
IMPORTANT TO NOTE : We are wintering in XXXX XXXX XXXX, AZ from XX/XX/XXXX to XXXX XXXX. After returning to XXXX, our address will be : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and our phone number will be : XXXX. Email remains the same. 

XX/XX/XXXX : My husband tried to withdraw {$500.00} USD from the CHASE ATM at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ with his XXXX debit card. ( I am joint on the account with him. ) He got a slip with the date, time, ATM address, last XXXX digits of his XXXX #, Term ID and Sequence # on it, no withdrawal amount printed, slip attached. HE DID NOT GET THE MONEY ; however, our XXXX bank shows the money withdrawn, bank printout attached. 
XX/XX/XXXX : I called XXXX Lost or XXXX, XXXX, spoke to XXXX. No help. Our bank needs to inquire. Phoned our bank, XXXX XXXX, Lost or Stolen, XXXX, spoke to XXXX. Need wait until XXXX XXXX opens Tuesday, XX/XX/XXXX. 
XX/XX/XXXX : Started the lengthy process of contacting our bank, receiving, signing and sending back an Indemnity Agreement, copy attached, and phoning and emailing back and forth with them, copy of communications attached. 
XX/XX/XXXX : Indemnity Agreement XXXX XXXX XXXX, received, signed and emailed back to our bank. 
XX/XX/XXXX : Emailed our bank to follow up. Our bank contacted their settlements ' department who has heard nothing from CHASE. 
XX/XX/XXXX : XXXX went to CHASE. They will not talk to him as he doesn't have an account with them. XXXX commented, " We've been having problems with our machine. '' Really? And they're still using it??? 
XX/XX/XXXX : Followed up with our bank again. She asked me to wait to file this form until she heard back from their settlements department. again. 
You will note in the attached document of email correspondence with our bank, something similar happened last year. XXXX was charged twice for one withdrawal. Our bank had some issues with Chase 's responses, and ended up giving us back the money with the provision : " If anything unforeseen happens, we will have to take the money back. '' We have no idea how long it took for XXXX XXXX to receive that reimbursement for CHASE 'S  error. 
XX/XX/XXXX : I heard back from our bank. Again, CHASE has not responded to them. 
It is astounding that CHASE does NOT respond. I was told last year that it can take up to six months to recoup money they have kept. 
We are hoping you folks can make them accountable for responding!
Hi there, I have the following issue with Coinbase : On XXXX XXXX ( more than a month ago! ) I initiated a withdrawal of XXXX euros from my Coinbase account to my XXXX bank account. The site indicated that the withdrawal had been initiated and the money will arrive to the bank account in the matter of few days. After a few day the withdrawal on their site was marked as 'Completed '. However, money did n't appear after 7 day, when I submitted a request to Coinbase, asking where is my money. No one got back to me. Over past few week I tried to reach them using different channels like XXXX, XXXX, but with no success. Please hep! 

Thanks, XXXX
My Mortgage Company, Ditech, failed to apply payments I made to my payment due on XXXX XXXX. XXXX payments were made in XXXX totaling the amount due for the XXXX XXXX payment. Ditech applied those payments as " principle '' payments. I contacted them on XXXX first via phone, to advise that there apparently was an error in their application of said payments. Since then my wife and I have contacted them 3 more times via phone and XXXX email to their customer service department. It is over 30 days now and nothing has been corrected. They have now applied late fees and have failed to return calls, or respond appropriately to what should have been an easy fix. I have never made any payments late, and this is my XXXX home I have owned without ever having such a terrible experience with a lender that purchased the loan from Greentree XXXX last year. 
I am attaching my payment history, email and evidence to support. I feel I have run out of options in trying to resolve this matter directly with them. 
Please assist, thank you.
I am disputing account number XXXX ( Balance {$160.00} ) with American Capital Enterprises because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted American Capital Enterprises to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
On XX/XX/XXXX, I was demanding, to : TransUnion LEGAL DEPARTMENT, TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX PA XXXX The removal of this public record notation ( bankruptcy ) from my credit report. 

Because am not familiar with the reference number, I contacted the court and they said, they didnt provide any information to the credit agency. 


On XX/XX/XXXX, I received a letter from TransUnion Consumer Solutions stating : Our investigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. 

Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; Provide us a response to your dispute ; and update their records and systems as necessary. 


Investigation Results Summary ITEM DESCRIPTION RESULTS CHAPTER XXXX BANKRUPTCY DISCHARGED INFORMATION UPDATED. 
DOCKET # XXXX XXXX XXXX XXXX XXXX XXXX XXXX US COURTHOUSE XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX According to this summary, credit agency only made a notation and didnt deleted
Upon dispute with Syncrony bank acct # XXXX due to identity theft Syncrony bank have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, XXXX and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.
There is a XXXX name affiliated with my credit score. How is this possible, and did this person take out any lines of credit in my name?
I went into cash my payroll check it is a Wells Fargo check. I handed my valid drivers license and was told I needed to provide a card with a XXXX logo on it. I do not use any cards with XXXX, it 's my personal choice. I was instructed that unless I supplied another card with a visa logo they would not cash my check. I had a XXXX XXXX card with my name on it that matched my drivers license but again they said no. This seems to be an Anti-competitive violation. Putting a Monopoly on XXXX and forcing a consumer to use Wells Fargo or XXXX. The check was a Wells Fargo check, it was a payroll check. I 'm not sure why me producing a XXXX logo card would make any difference vs a XXXX XXXX or even my XXXX charge card as long as it has my name on it. I personally do not think someone should have to show anything but their drivers license or a state ID to cash a check made out to them. This in my opinion is bordering on Antitrust, Anticompetitive and putting a monopoly on XXXX and Wells Fargo creating a competitive law issue. I was at the Wells Fargo Bank at XXXX XXXX XXXX PA, XXXX. I spoke with a manager but she had no name tag and insisted that the XXXX Logo was required to cash my payroll check. My restaurant is located a block from this location and does their business banking with Wells Fargo at this location. I went today XXXX/XXXX/15 at XXXX. Now I have no way to cash my pay check as this " new '' procedure does not allow me to use another merchant to prove my identity.
The never responded to my request to remove the fraudulent account from my report. I sent them a letter detailing my issue on  XX/XX/2017   , yet they have still not responded
My car was totaled in an accident on XX/XX/XXXX. The car was deemed a total loss on XX/XX/XXXX by XXXX XXXX. At this point we were informed Chase Auto Finance did not have the title which was in my possession. I overnighted the title to XXXX. After weeks of calls, I was informed I need to complete and overnight a NJDMV form which I did. Two more weeks passed and I was told I need to submit that form again. I have been given a completion date as to when this title was going to be perfected by Chase Auto Finance and is has never happen. I always get voicemail and then a return call at weird times of the evening. In the meantime, I am told I have to continue to pay the loan on the car for that is a total loss, plus the loan on my new car and I have not been paid from XXXX the money owed to me for the loss as they are not being provided a pay out. This has been going on for over nine weeks and still no resolution.
I reached out to Pro Collect regarding a collection matter from an former apartment agency. I first never received the bill to tell me the amount. I was altered of the bill when I checked my credit report. I contacted the company agent and supervisor are rude and threatening. Did not negotiate the correct amount and attempting to overcharge the amount than what is actually owed. I was charged a reletting fee when I did not request a move out, I was asked to move out by apartment complex. As well Threatening behaviors by agents and supervisor.
I have subimitted several disputes of information in regards to XXXX XXXX credit card accounts showing incorrect payment information ... the credit report refuses to let me dispute again stating they have investigated and the information is valid ... my problem is I received a letter from XXXX XXXX that confirms that didnt provide any information to the credit bureau in regards to the dispute ... thus the credit bureau is luring it hasnt perform a valid investigation
Nelnet has two accounts showing several late payments on my credit report in 2012. I contacted their office over 45 days ago, with no response from Nelnet, which is a violation of my FCRA.
Chase Bank sent us a letter dated XXXX/XXXX/2015 advising .. '' because we 're no longer ofering credit card accounts to businesses in your industry '' they decided to close our credit card account on XXXX/XXXX/2015. We are not certain why Chase Bank would discriminate against small XXXX business with excellent credit, pays bills on time and in full, we have been in business for 16 years and have a FICO rating over XXXX. All balances are paid off by us each month and on time. They should not be permitted to discriminate against us when we have not done anything wrong. Can you assist in enforcement action?
I was involved in a real estate investment over 10 years ago. I lost one property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on XXXX. We have disputed this numerous times and asking for proof of the loan. The company is Real Time Resolutions. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to XXXX continues to be they are reporting accurately. XXXX has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach XXXX credit reports. 
Thank you for your assistance!
I deposited a check to my brother account at bank of america ATM, unfortunately I did n't know my name was n't added on his account, so bank of america kept sending us a photocopy of the check, they did n't send us the substitute check or check XXXX. However, all financial institutions refused to negotiate this photocopy they had sent us including bank of america itself.
The Bankruptcy on my Experian report should be removed immediately, it is unlawful to have a third party furnishing the wrong information on my credit report. 
As it can be seen, nothing showed that I have debtors/creditors/collectors that are included in the BK what so ever, therefore it has to be removed ASAP. 
The Bankruptcy courts do not affiliate with credit reporting agencies as I was told in writing from the court itself, and I have shown you the proof before. 
Should you not remove this frivolous action reported on my credit report, I will have to contact the court to order Experian for a removal, and I will file a lawsuit against your Bureau for the all the years and damages that was caused to my credit.