WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, I submitted a Request for Mortgage Assistance ( RMA ) application to Specialized Loan Servicing. Throughout the application process, SLS has falsely alleged that I did not submit " missing documentation '' and have repeatedly requested duplicate information. SLS obtained all the necessary information to process my application in the middle of XXXX ; however, I received a letter dated XXXX XXXX, XXXX that my application is still under review. SLS is clearly delaying the process in an attempt to foreclose on my home.
Again chase has acted against the best interest of a customer even in the light of evidence I requested that Chase review some merchandise that was not delivered to me. 
The sent me a note saying that the items were delivered despite my assertions to the contrarry and denied my requests for proof. 
I then supplied a tracking number that isnt mine but was provided by the seller USPS XXXX again notifying them this item, which happened to represent the most expensive of the disputes ( XXXX ) and they ignored my correspondence and denied receiving it. 
I need to have the XXXX ( XXXX/XXXX/16 ), XXXX ( XXXX/XXXX/16 ), XXXX ( XXXX/XXXX/16 ) and XXXX ( XXXX/XXXX/16 ) refunded to my card ending in XXXX. If they choose to dispute these claims then show me the item was delievered to me in XXXX, especially the XXXX. I am 100 % confident they cant for the XXXX charge and I never received tracking information from the sellers on the other charges. 
Chase needs to grant my request for refund and documentation
Applied for the Chase Saphire card online via a pre-approval through XXXX. Chase did a hard pull on my credit history and then received an email stating simply and exactly " We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days. ". 30 days passed and I did not receive anything from Chase in the mail. I contacted Chase customer support and they informed me that my credit application had been archived as it has passed 30 days. The customer service representative told me it was because my apartment number wasn't on the application so they couldn't verify my address. I requested to talk to some one in their cedit bureau department about having them remove the hard pull and they said they couldn't because they attempted to mail the address on the credit application. 

All of this would've been avoided on my end had I known that their credit applications get archived at the 30 day mark as i would've followed up before that. However, the email I received from Chase did not indicate this and only indicated that I should hear back from them in 30 days. This equates to very misleading and potentially harmful messaging to the consumer.
I purchased a vehicle from XXXX. Byrider/CNAC Finanace about a year ago. Nine months into the loan, I had a major problem with the vehicle and it was determined that the entire engine had to be replaced. This car had previously been a flood vehicle ( which was never disclosed to me upon purchase ). I returned the car to them and informed them that I no longer want it. The remaining balance of the loan has become a major point of dispute. Since I have explained to them that they will not be receiving any further payments from me, they have harassed myself and my family ( whose numbers they have from my references when I originally purchased the vehicle ) to the extent of upwards 12 calls a day without leaving a message. My biggest problem that I just realized is that they have also been checking my credit score every month for the last three months for the sole purpose to only damage my credit with multiple inquiries. They have absolutely no reason to need to run my credit. I need the harassment to stop.
Hello, my name is XXXX XXXX, I 'm writing this complaint against XXXX and Navient and XXXX. the schooled that I attended closed down during attendance. I did not benefit form the school and what I mean by that is there was no degree or certifications. there were no transferable hours to take to another school those option were not available. so now here I 'am fighting this and have been for Years. I have been bullied into paying what I have already payed. and now they want me to pay some more. the loan was for XXXX and something. the promissory note says the school only accepted XXXX. I 've been threaten with garnishment twice and paid something to stop it and over the years my income tax was used to off-set this debt. I recently applied for a school loan discharge and Navient has told me I did n't qualify because the 120 days rule that 's on the student website. but there is other clauses in there that qualifies me. and they want me to pay double. they have the loan in my married name which is XXXX which I did not change. and promissory note is in XXXX. which I feel is fraudulent and they have it on my credit report. and XXXX do n't know of them until the other day when I checked my credit report and there they were reporting this loan as if I opened it this year my credit score has drop because of all this reporting.
XXXX BILLED XXXX FOR AN XXXX FROM OVER 3 YEARS AGO AND IT WAS PAID THEN A YEAR LATER THEY SENT ME A BILL FOR THE SERVICE SAYING THAT XXXX PAID IT BUT TOOK IT BACK AND NOW IM RESPOSIBLE, I CONTACTED XXXX AND THEY SAID THAT XXXX CODED THE SERVICE WRONG AND IT NEEDED TO BE CORRECTLY CODED AND RESUBMITTED. I CONTACTED XXXX ABOUT THE ERROR WAS TOLD IT WOULD BE TAKEN CARE OF AND NOW THEY ARE TRYING TO CONTACT ME FOR PAYMENT AGAIN.
On Friday, XX/XX/2018 I went through Equifax 's " security freeze '' process at https : //www.equifax.com/personal/credit-report-services/. It forces you to create an account to place a freeze. 

I created an account. 

It doesn't allow logging in. It gives the following error : " We are temporarily unable to complete this request. 
Please try again later. '' It is now Monday, XX/XX/2018. The above message is constant and has been in place since Friday. 

Today, I received a welcome email from Equifax for their " myequifax '' website, which, as noted above, does not allow a login. I called the number in the email. I was informed Equifax has been updating their system " for a month '' but that I should " call back in 30 minutes ''. 

I called back 2 hours later. I was told, again, that nothing could be done because their system was updating, and to " call back again in 30 minutes ''. So I called again 3 hours later, and ... same thing. 

My understanding is that federal law states these jokers are supposed to allow me to place a security freeze. 

They are not allowing me to do so online or via phone. 

Between this and not being able to get my report, I've wasted multiple hours now trying to deal with Equifax 's broken website and support, and am seriously considering following the example of the woman in Vermont and filing my own lawsuit in small claims court. What's the point of having laws if there's no penalty for not following them?
On XXXX XXXX, I wrote to XXXX, Equifax , & XXXX  informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. University Of XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 XXXX  & Equifax Informed me that the items were verified. Which is through a the XXXX system. I got nothing in writing stating who XXXX  & Equifax spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. XXXX  never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.
I received a call on XX/XX/18 regarding a medical bill, for my daughter, for services rendered in Florida ( I am a SC resident ) on XX/XX/18. The company, NPAS, claimed that I owed an undisclosed amount on said bill. I asked a few questions about when the bill was sent and what address was on file. Note, I had the bill from the hospital in my hand, stating that after XXXX paid their portion all I owed was {$39.00}, which has been paid. When she finally told me that a bill had been sent in XXXX to my address, I asked her what name was on the bill. She went on to inform me that the responsible party had been updated in XXXX. If that be the case, how did I get a bill in XXXX ... she couldnt answer me. So with that being said, I asked, if a bill had been sent to MY address in XXXX, but my name hadnt been updated until XX/XX/XXXX, how was I to know that it was for me? I told her had I opened mail not addressed to me, it could be considered mail tampering. She agreed and said that she shreds or will return to sender any mail she receives personally like such. She was advised that I never signed for treatment due to me being 700 miles away, and that this account needs to be researched further. She said she would open an investigation. I have the whole conversation recorded for my records.
this is XXXX XXXX. i want a buy new home loan officer said i have problem is in crdeit report score and still shown filed on XX/XX/2008 bankruptcy record. 
but I knew that the 7yrs showing the record my case is already passed 9yrs still in there.

my loan interest rate is going up to 0.25 % also, i have 1 point more than others. 

Please removed my record for bankruptcy let me know why still there?? 

and If you anyone can do removed for me. 

Thanks, XXXX XXXX XXXX
Dear Sir/Madam : I am contacting you in the hopes you can help me in my Dilemma!!!! 
Re : Nelnet Student Loan Account # XXXX XXXX XXXX XXXX Student / XXXX XXXX XXXX Mither. I  have sent this correspondence to Nelnet Please be advised that I will be contacting the Department of Banking & Financing , XXXX XXXX XXXX & I will be corresponding with Federal Government Student Loan on behalf of my daughter XXXX XXXX for a student loan for my granddaughter XXXX XXXX XXXX. My granddaughter XXXX XXXX is making payments on this student loan she obtained. She is currently working and can barely make ends meet for herself, she is willing to pay @ {$50.00} per month as that is all she can afford. She only attended XXXX University for one year and had to come back as her mother had a XXXX XXXX. Came back home to get a job to help her mother. My daughter earns less than XXXX @ {$10.00} per hour and is eligible for food stamps. XXXX has to choose no insurance coverage at work because she can't afford it. 
As I stated she wants to comply with the payments @ {$50.00} per month and can barely afford that. 
What I don't understand is how the balance is {$16000.00} when I believe she applied for an additional {$5000.00} " mother loan ''. 
Again she wants to pay as she is already paying her other student loan she just can't afford {$120.00} per month. 
I give you my word that I am getting to the bottom of this for ALL STUDENTS for ALL GENERATIONS these kid 's don't stand a chance in life if they're starting off in the negative. 
Thanking you in advance. 
XXXX XXXX XXXX
I have been able to work out the problem for me in this instance, but it is a serious enough issue I want to alert the CFPB. Elan Financial Services sent me a promotional offer through the branded name of St. Mary 's Credit Union. The offer included many details ( mostly mandated by law ) such as apr, use by date, interest, etc. What it failed to disclose is that these can only be drawn on up to 92 % of available balance. I calculated the transfer amount plus transfer fee to be within the available balance with a small it of leeway. I did n't take into account the 92 % rule, because I did n't know about it. When I spoke to them, they said it is disclosed in my CREDIT CARD terms and conditions. It is n't even on the fine print of the offer. Of course banks know that most people do n't read the T & C much less remember such details. Why would the not indicate this on the offer? I have no idea, but if I had n't caught it, I would have bounced other checks that this transfer was to cover. This rule is fine, but it MUST be clearly included in the terms of the offer.
Hello, I am a XXXX XXXX Veteran when I transistioned out of the service in XX/XX/XXXX-XX/XX/XXXX I fell into a state of homelessness and was unable to pay my bills. Since then I have been able to somewhat recover and attempt to get back on track with my financial responsibilities. During this period I was unable to pay my cell phone bill with XXXX XXXX XXXX. They have since sold my debt to collection companies ( multiple ). AFNI inc opened : XX/XX/XXXX amount : {$1400.00} Original creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX amount : {$1400.00} Original creditor : XXXX XXXX My complaint is the fact that they sold my debt to multiple companies who are currently both trying to collect on me. How can I be forced to pay my debt twice to XXXX seperate companies. I have attempted to dispute this information on my XXXX, XXXX  and XXXX credit reports to no avail. I have been told I can not dispute that fact that they are the same account because the orginal creditors are not the same ( XXXX XXXX XXXX, XXXX XXXX ).
On the date of XX/XX/XXXX, after realizing my credit card has been lost during a business trip, I immediately login to my card management online website to request for a replacement and shut down the lost card. My credit card is XXXX Visa card with Barclays ( https : //barclaycardus.com ). In the request form, I was asked what is the reason I need a new replacement card, to which I selected the option that my card was lost/stolen and received a replacement card within the next few days. 

About a few weeks later in XXXX, going over my statements as I often do monthly, I realize there are two abnormal charges from XXXX XXXX XXXX XXXX for the amount below : XXXX XXXX XXXX XXXX XXXX. {$270.00} XXXX XXXX XXXX XXXX XXXX. {$980.00} I immediately called the credit card company to let them know I don't recognize these charged and ask for a dispute. The main confusing point for me is the credit card fraud department seems to completely don't realize that I have asked for a replacement card in XXXX for lost and stolen reason and kept questioning me for why I didn't submit a report earlier. 

Through various good will attempts to explain to different staff on the fraud team, I am still unable to communicate a simple fact that I have tried to inform them in XXXX.
During the closing of my loan, I pointed out to the lender ( XXXX XXXX XXXX ) that they had an error in their algorithm to calculate the property taxes on a newly constructed home. Their formula failed to reduce the total for the 40 % exemption for homes used as a primary residence ( XXXX XXXX County,, Utah ). To preclude re-doing all the closing documents, the lender advised that we could easily fix that after the close. This was in XX/XX/XXXX. After closing, XXXX XXXX XXXX ( XXXX ) advised that they could not change the calculaton until XXXX XXXX County completed there XX/XX/XXXX assessment for values. That delayed the refund until XX/XX/XXXX. ( meanwhile, XXXX continued to bill the excess amounts each month based on their error in the tax calculation. When I received the estimated taxes, I provided that to XXXX and was told they had to wait until the taxes were paid. XXXX paid the tax, but then sold my loan to XXXX XXXX. I contacted Loancare, they reviewed the escrow account after payment and agreed to return a little over {$2000.00} that had been over-collected. That occurred but now, when I ask LoanCare to re-estimate my withholding for the XX/XX/XXXX taxes, I am told that the amont must remain the same, based on what was done at the time of the closing in XX/XX/XXXX and they can not change that until there has been a new tax assessment after the home is 1 year old. That means they will continue to over-bill the escrows until XX/XX/XXXX as XXXX XXXX County asseses taxes in XXXX of each year. LoanCare will then re-evaluate in XXXX and again need to return to me the {$1500.00} or so in excess funds. Seems they would base the monthly withholding on what was paid in XXXX, and maybe increase it by a factor if they project growth in XX/XX/XXXX. The key is that even the new lender is not using the 40 % exemption factor for a primary residence. The biggest issue is with XXXX not following through with their promise to reevaluate last XX/XX/XXXX/XX/XX/XXXXand then selling the loan to LoanCare who in turn continues to use XXXX data from the closing. This is compounded as I purchased 3 properties at the same time. Each one has the same excess being held, so that was over $ 6K in XX/XX/XXXX and will be approx $ 4.5K in XX/XX/XXXXif they do not make the needed changes.
I took a {$12000.00} balance transfer last XX/XX/2018. The company erroneously paid off the balance the following month. After checking with them and complaining, they reversed the payoff but failed to tell me that the promotional interest rate- which I had paid a 5 % fee to receive, wasn't valid anymore. I continued to make minimum monthly payments ( as I was told to ) assuming the promotional interest rate was in effect. When I called today to check on when the rate expired, I was told it was never valid after the transfer was re-established. I feel the company was deceptive in telling me things had been corrected last XXXX when they had not. I called today and after 30 minutes on the phone with a rep I was told I had no recourse, wouldn't be refunded either my fee or the upfront advance fee and that this was all my fault. 
Interestingly, the CSR I spoke with told me I had no complaint recourse other than to lodge an internal complaint with Citibank or the XXXX.
I had financial difficulties in XX/XX/XXXX and filed for bankruptcy. I was not able to make the mortgage payments in the agreement and the bankruptcy was discharged XX/XX/XXXX. The Lender Rushmore Home Mortgage LLC proceeded with the foreclosure on XXXX XXXX, XXXX the day before auction I filed again for Chapter XXXX. Through an inheritance I now had the reinstatement amount due of approximately {$130000.00}. I then instructed my attorney to dismiss the case so I could pay back the reinstatement amount due. The dismissal was official XXXX XXXX, XXXX. I immediately called and left a message with XXXX XXXX XXXX regarding the procedure and reinstatement. I have XXXX XXXX emails XXXX/XXXX/XXXX stating, she received my voice mail and " I have requested the fees and costs for the Foreclosure. Once received I will forward. I have attached the wiring instructions to wire the funds. '' XXXX XXXX, XXXX subsequent email from XXXX XXXX states : " the reinstatement will be not completed until XX/XX/XXXX due to the foreclosure fees and costs. '' The next XXXX/XXXX/XXXX email states : I am sorry to say the foreclosure sale date was completed yesterday and the property reverted to the investor. ''
After having a XXXX, XXXX  related expenses skyrocketed. I can not afford to make the payment amount that they proposed. They would not defer the loan.  If I could defer the loan, my wife is working on getting a better job and we could make payments later this year.
I have tried to verify my identity with COINBASE ( via app, via PC ) and it has failed repeatedly. I even setup my bank account, and provided them with the information that MATCHES my ID Card. I scanned the front AND the back ( NO glare, NO indistinct numbers, letters nor graphics ), and when my ID Card failed, I used my Driver 's license, and THAT failed. They have a policy that outright refuses refunds, outlined in their Terms of Use, and the money I gave them is now in limbo for EIGHT DAYS ( if not longer ), and I am not confident in their ability to lock in the rates of currency that  existed when I made the purchases. 

If I could get some information on how to take this further ( not to court, but to push this higher and higher until it can get the attention it needs ), I would appreciate it. I feel it would be all too easy for a company like this to use their " hold times '' to cause consumers to miss out on vital investment opportunities, and maximize their own profits in the meantime. 

Thank you.
If presenting there looting activity inside my property organize by those criminals is consider harassment only for make it public I wonder how will be consider ween we are going to meet those criminals and looter organizer in criminal court soon. Those criminals can understand that I have no mortgage no financial obligation and their looting was criminal illegal and fraudulent NOW lying and deceiving CFPB present even more facts that those criminal ( find guilty by the Superior Court ) the show total disrespect for CFPB We must drain this filthy face of corruption and looting organizer They foreclose criminal in top secret close door illegal and fraudulent and this is more criminal than any theorist activity and I strongly believe that this is the biggest dagger against Americans. After it they used criminal looters lying law garbage firm XXXX XXXX XXXX the worst criminal looter in the country, use those criminals to lie in courts, defraud people and if they can not intimidate some clients they organized death treats to their clients as is my case. If this is the landing and mortgage servicing organize by XXXX, and this XXXX XXXX running XXXX XXXX that we must close this criminal business permanently. I am sure those criminals refers to this as duplicate referring to their criminal activities not to what I presented. As mention to all Governors in each state in USA in in particular the State of PA, NJ and Organ I will keep informing everybody about the criminal activity inside my property for which I do not have any financial obligation, mortgage, loans or credit cards as I do not need. American people are losing their property due to criminal activity properly presented below. Also CFPB must take in consideration that in PA the ownership law was flagrant violated by Law Firms that are experts in lying even to their clients and triple charge them ( find guilty in Superior and Supreme Court ).  XXXX XXXX XXXX, Law Firm Phelan Hallinan with theirs pettifogger lawyers, XXXX, XXXX and XXXX XXXX and the looting company XXXX XXXX. They can lie, cover up abuse but I will never ever stop period until I get back my property and all stolen furniture, electronica, home decoration looted by XXXX XXXX with direct help form XXXX using looting expert law firms XXXX and Phelan, Hallinan.
I am called multiple times a day at all hours ranging from XXXX to XXXX even though my loans are not in default.