WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX 2016 I began application process for IBR plan through my loan holder ACS. After faxing multiple forms provided to me on several occasions and emailing said forms I had fallen delinquent on my account so they suggested I put my loan into forbearance. After several month I was approved, given a reduced payment, taken out of forbearance and my accrued interest was rolled into my principal. I made the assigned payments on time each month. Each month I noted a late fee of {$120.00} about which I called on several occasions and was given a different reason each time. The most recent reason for the late fees I have been given is that my reduced payment amount ( that they assigned to me ) did not even cover the monthly interest and the late fee was accessed because I was not making a payment onto my principal. I then requested the dollar amount I would need to pay to avoid paying a late fee the following month and the operator was unable to clearly give me a dollar amount to pay in my next payment. I have had no resolution to this problem.
On XXXX XXXX XXXX, I received an alert from my Chase Banking App saying I had a low balance alert. Upon reviewing the transaction history on my phone, I discovered an unauthorized transaction was made to empty out almost every thing from my account and was withdrawn from an ATM less than 5 miles away from my house. This withdrawal occurred at XXXX XXXX. However, during this time I was not in the city where the transaction took place and actually have receipts showing that I was in another city all night camping out for a release of an electronic. During this time, I made a transaction on my XXXX Card at XXXX PST. After, discovering about the unauthorized charge, I called Chase immediately and requested for the card to be cancelled and filed a claim for fraud. After almost 3 weeks of review, with no word from Chase, they  decided to reverse my claim causing my checking account to be overdrawn on XXXX XXXX XXXX. I spoke with 2 representatives over the phone, they both told me since the transaction had been made with my PIN, the charge was authorized, and they could not help me further with my case. As a response, I visited the Chase branch that the money was withdrawn from, requesting for a copy of the receipt for the unauthorized transaction and if it was possible to review the security footage of the transaction taking place. They were only able to get the receipt for the transaction, and was told surveillance footage can not be reviewed without a subpoena or by a peace officer. I was then told again that I would have to resolve my case through outside means. I have since filed a police report for the fraudulent charge.
I notice an unauthorized charge on my credit report from advance america. They claimed I took out a loan in the year XX/XX/2012. I have not taken any loans out during this year or prior. I had a bankruptcy XXXX XXXX I was paying for. This charge on my credit report is not mine. 

I can be reach at XXXX. XXXX Thank you XXXX
XXXX is reporting a paid collection that was settled with General Revenue Corp in XXXX of XXXX as a collection as of XXXX of XXXX. I previously disputed the incorrect status on XXXX/XXXX/XXXX because the settled account was reflecting as a collection as of XXXX XXXX, today XXXX/XXXX/XXXX, I received the result of the dispute that the account was again made to look like the paid account was a collection as of XXXX XXXX. My Fico score has dropped almost XXXX points as a result of this because the paid collection is now being recognized as a new collection and I have recently been denied a loan because of this. The account should reflect as closed as of XXXX XXXX. I spoke with a rep from XXXX on the phone and he can see in his internal system that the account was paid in XXXX, the incorrect historical information can not be removed and I should contact General Revenue about my concern. He also stated that General Revenue responded to the dispute that the account was a collection as of XXXX. This is a clear violation of section 607 ( b ) of the FCRA. Section 607 ( b ) of the FCRA requires XXXX to " follow reasonable procedures to assure maximum possible accuracy of information ''. 

I spoke with multiple reps and managers with General Revenue as well. General Revenue says that they can not report nor correct the incorrect information and that I must contact XXXX to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct XXXX to update the account with the correct info, General Revenue is in violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
I have had this mortgage since XX/XX/XXXX. My rates have been as high as 14 % during this time.I have had struggles with the payments as a result of the economy and the drop in real estate sales over the past few years. The predatory rate that still exisits on my mortgage has not helped matters any. My rate is still XXXX or XXXX points above market rate right now after XXXX modifications. I owe almost as much as I borrowed XXXX years ago. This is even after they claim they charged off {$120000.00}, which is also unfair action, given that I have to file that on my taxes and pay almost {$30000.00} in taxes that I can not afford. It is obvious that Chase does not want to make my home affordable for me although I have paid extreme predatory rates for years now. In addition, my loan is illegal to begin with, as it was originated from an unlicensed lender. ( XXXX XXXX XXXX ), now out of business and no NC loan license. It has been sold to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EMC Mortgage and now Chase. Precedent has been established in NC that mortgage loans originating from unlicensed companies or even individuals are subject to cancellation by the state of NC. I have tried to do the right thing in not filing suit on those grounds. It is doubtful that this loan will pass the smell test for securitization. I have worked along with Chase to modify and make arramgements that have not been in my best interest financially, and keeps me in a bind. My payments have been as high as {$4500.00} per month. ( when had variable rate ). The most recent payment arrangement that was offered to me this week is a prime example. I am already financially challenged and Chase wants a $ XXXX downpayment and ober XXXX per month. I have done extensive repairs to my home and want to keep it. It still has foundation settling that XXXX XXXX estimated in XX/XX/XXXX for over {$30000.00}. It has since gotten worse and many of my doors will not close properly and the fireplace is separating from the wall. This impacts the value and safety of my home. The value that has been placed on my property during this modification process is inflated because no one has been inside or on the grounds to see the problems. I have been disqualified unjustly for a decent modification because of false information on the appraisal. The homes in my area are older, not energy efficient and stay on the market on an average of XXXX years or more. The comps used in the value are out of my comp zone. That could be deemed as fraudulent. I really need a reduction in my balance to match the real value and a rate concurrent to market or below since there are programs from the President to help homeowners. Otherwise, this loans needs to be litigated in court to prove it is illegal and that I have overpaid all these years.
I called the finance company to get the pay out on my account. Because I saw that something di not look right. They told me what the pay out was and they also told me about late fees and insurance waiver fees. I then contested some of the fees. I wrote a check for that month 's payment and a check for the remaining principle. I wrote on the check. " this check is to be applied to principle only ''. My thoughts were to pay off the principle and do my research on the other charges. When I saw that they had cashed my check I went ahead and called to confirm my request. They told me that it did not happen they way I had requested and that they would try to take care of it. I just got a call from the finance company that I needed to pay for the remaining principle amount along with interest on that amount. I think they should have at least given me the courtesy to call me and say hey we cant do this the way you want. As far as I know a check is a written agreement and if they sign and cashed it then they have to honor the agreement.
The appraisals made to my property under Loss Mitigation in Banco Popular of Puerto Rico as a requirement of the Short Sale program inflate the value of the property and do not follow the requirements established by FHA. Therefore affecting and stopping several sales offers since XXXX. The last appraisal made to my property on XX/XX/XXXX has the following irregularities : 1 ) The same appraiser has been used for the last 3 years. Based on the FHA criteria, a different appraiser must be used. 
2 ) The comparables used in this appraisal inflate the price of my property, affecting us to be able to sale the property. Two of the three comparable used in the appraisal were sold under the Rent-to-Own program of an REO property and the third comparable was sold with private financing. These sales may be flawed. In addition, these salse lack much information in the transaction, as well as conditions of ownership and the nature of the business. 
3 ) There is a comparable that favores the value of my property but it was not used on this appraisal. No explanation was given as why it was not used. The real estate broker, XXXX XXXX, asked the bank and the appraiser for reconsideration. He refused to review said value. 
4 ) FHA requires the bank to dispose of the appraisal no more than 30 days. The bank has taken more than 30 days to have available for the results of the appraisal. All documentation required by the bank was submitted by XX/XX/XXXX. The appraisal was completed on XX/XX/XXXX and the bank provided a copy of the appraisal on XX/XX/XXXX. 

I have been trying for more than 5 years to be qualified under the Short Sale program. Due to the appraisals made in the previous years, initiated by the Banco Popular de Puerto Rico, the sales have fallen or it has been impossible to obtain a willing buyer to pay what the appraisal indicates. This has affected my credit greatly and I would like to be able to restore my finances.
On XXXX/XXXX/2017 CIT Bank file foreclosure against the XXXX whom is still living as to date. CIT Bank claiming the XXXXyear-old homeowner failed to pay his property taxes without giving him any resolution to how he can pay if any back taxes or insurance. Financial Freedom Senior Funding provided the reverse mortgage and has charge the homeowner with insurance that exceeds the amount he able to pay. Therefore, CIT file the foreclosure on behalf of the property taxes and insurance. This is unfair to the homeowner as well as his beneficial. To lose his home for reason stated. We are aware that Financial Freedom has defraud many senior homeowners with wrongful foreclosure in order to file insurance claims just to capitalize these innocents victims.
Equifax allowed a cyber security breach that enabled access to 100 % of my personal information and exposed me to the threat of identity theft both now, and at any point in the future. I 'm one of 140 million vulnerable citizens and I demand justice!
I was informed by one of the employees and XXXX XXXX that that had had computer problem and that they reported old info and paid info to the credit unions on account they should not have. I have also notified them that they were not to call my personal cell and XXXX XXXX continues to call my cell ... .XXXX has informed me that they do n't work with Advanced Bureau of Collections located at XXXX XXXX XXXX XXXX Ga XXXX XXXX.
I have a collection from XXXX XXXX for a XXXX account. I've never had cable service in my entire life. I tried to dispute the charge to no avail.
Wrong address. Never stayed at XXXX XXXX XXXX XXXX, Ms XXXX
My wife and I both signed up for our own individual credit account. it was based off an offer 0 % interest a fee waiver for the annual fee and bonus miles after a certain amount of money was spent. I received a high credit score of XXXX I also happen to obtain a large limit from the slender and on top of that they waive my fee. Yeah were tied it was for 0 % interest which they gave to my wife 's account and did not get to my account. When I question their practices and even offered my wife 's account information so that they can compare and contrast the XXXX accounts they refused to take her information and merely told me in writing that I had the best offer available. his peer to be a lackluster investigation is no one ever talk to me about what I ended up signing up for it was merely just a description and nothing more was done no remedy was offered. I have since close the account and will pay off the entire {$9000.00} balance this week which demonstrates my Credit worthiness.
On XX/XX/XXXX, I rented a car from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX branch ) for a 7-day period. On XX/XX/XXXX, after I had stopped at a gas station on my way to return the car to the rental office as scheduled, the fuel injector broke. I called the XXXX customer roadside assistance, who towed the car to a mechanic. A month later, I received a {$1700.00} charge on my Chase XXXX XXXX credit card from XXXX, who were under the assumption that I had the car from XX/XX/XXXX to XX/XX/XXXX ( the amount of time between when the car was towed to the repair shop and when the car was fixed/returned to XXXX ). As stated above, I only had the car for 7 days, from XX/XX/XXXX to XX/XX/XXXX. I have tried unsuccessfully to dispute this charge with Chase three times : ( 1 ) once prior to receiving the receipt from XXXX ( at which point I had no idea why I was being charged so much ) ; ( 2 ) a second time after I received the receipt from XXXX ( but it was in French so I misunderstood some of the charges for which I was in fact responsible ; and ( 3 ) a third time after I went through the receipt and XXXX 's response, and provided proof that I could not have had the car after XX/XX/XXXX. 

I am filing this complaint against Chase for the {$900.00} ( a portion of the {$1700.00} charge ) that remains on my account. Chase has failed to acknowledge that I am not responsible for the cost of the rental car between XX/XX/XXXX and XX/XX/XXXX, when it was in the repair shop, nor that I am not responsible for the cost of the deductible ( because the breaking of the fuel injector was not my fault - in other words, XXXX rented a car with a mechanical issue to me ). Chase 's most recent correspondence to me, dated XX/XX/XXXX ( after my third dispute ), stated that they were not successful in contacting the merchant to negotiate a credit. 

The document " XXXX receipt '' is the receipt from the rental car company, which I got after my first dispute with Chase. The document " XXXX '' shows that I withdrew money from a bank in XXXX, XXXX on XX/XX/XXXX, after I flew there from XXXX. ( Given that a one-way trip to XXXX is more mileage than what the XXXX receipt shows I drove on the rental car, it was impossible for me to have driven the car all the way to XXXX and to still have it on XX/XX/XXXX. Thus, this document proves that I could not have had the car between XX/XX/XXXX and XX/XX/XXXX, as XXXX claims. ) The document " Chase dispute 3 ''  is the letter I sent Chase, along with the XXXX receipt and " XXXX '' document, to file my third dispute ( for {$900.00} ).
I'm XX/XX/XXXXI tried to buy a car and was told I had an account in collection/charged off. After reviewing my report I contacted the collection agency and they told me there was an account with XXXX XXXX opened on XX/XX/XXXX that I defaulted on. I did open an account on XX/XX/XXXX with them when I consigned for my daughter 's car but did not sign anything on XX/XX/XXXX. O was actually under the care of a doctor that day and couldn't have possibly been there to agree to another account for a car. After explaining this to the collection rep, they suggested paying it anyway to get it removed. There's no way I am going to pay something not mine so I declined. I was lucky enough to get the dealer to empathize with me and get me into a car anyway however this has been making it difficult to get any financing that isn't accompanied by inflated interest! If disputed it numerous times with all credit bureaus only to have it come back verified so I requested a reinvestigation and included the signage pages from the account I signed and from the one I received from the company after request. It's very obvious it is not my signature yet they continue to report it. I am now to the point of seeking legal advice.
I received communication from XXXX/Pendrick Capital Partner LLC that I owe XXXX for a debt that has been reported previously by 3 different agencies on XXXX/XXXX/2017, I requested verification of debt that I did not receive to verify they are the actual owners of the debt. I received another letter on XXXX/XXXX/2017 stating they would report this debt to the Credit Bureau I called again and spoke with a foreign man never gave me his name that said the bill is my verification I said no I want verification such as what service date is this bill for, what doctor 3 different agencies have reported this and did not give me proof. He stated they would send information but would still report the documentation on my credit report. I stated that this was threatening and a bullying tactic to get me to pay and if they did not give me the information in order to pay I would report this immediately he hung up on me.
So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to 60 days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX XXXX and XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters from XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars ), they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with XXXX had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. XXXX who is now working with XXXX XXXX both are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( Equi-fax, XXXX and XXXX ). I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX XXXX not included.
On XX/XX/2018 I paid {$70.00} in full to have a item removed from my credit report. They did not tell me over the phone that if I paid the account the Item would still remain on my report.
I get calls everyday around XXXX from BB & T Bank saying I owe over XXXX and telling my family member my business and calling early before XXXX each morning in which law states collection calls should be made after XXXX, I do n't owe XXXX it was less than XXXX because I lost my job. they call XXXX-XXXX times a day harassing us. the calls come from XXXX
Hi, I 'm submitting this claim against Experian because I had three collection agencies ( the only three on my report as of now ) that were never supposed to be on my report in the first place from a collection called XXXX XXXX XXXX ( scamming company please research them ) 1st off they have never sent me information proving this debt belongs to me ( signed copy with my signature ) I filed a Dispute so experian removed this my score was a XXXX by them removing this then I look up about 10 days later and realized it was a XXXX and they re-added all theee collections back on there. 2nd of all even if these were validated /verified which were n't because it 's not verified until they send me proof of my signature on this debt they did n't notify me within 5 days that they were putting these back on my report which is breaking the fair act law. I 've worked so hard to get my score to the XXXX XXXX just for them to re-add those collections back on there that were never suppose to be on there.
This complaint is a follow-up to # XXXX. Amex 's Underwriter demanded earning income from my wife and I, and stated that he would close my account if I did not comply. I clearly stated that my wife and I file incomes together and she is not on my account. I also provided CFPB complaint documentation on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX was investigated by the FBI and found to have forged my signature and documents. These two companies have harmed my credit and I am seeking damages. I have retained the services of an attorney but my credit has been destroyed. XXXX XXXX XXXX filed false credit information which has affected my credit. Amex did submit a letter dated XXXX XXXX, 2017 which I had never seen nor had knowledge of. Based the actions of Amex I was coerced into canceling my Gold Card of 15 years. I had never missed a payment nor had I been late.
Wells Fargo is an awful mortgage company thats seeking to force my husband and I to sell our home in a short sale or lose it in foreclosure. Our mortgage has ballooned from {$3500.00} to {$6200.00}, which has made our payment unaffordable. Before the ballooning of the mortgage ( 10 years ) we were never late. Wells Fargo has constantly denied our modification because our income does not meet the qualifications, yet we earn more now than when we purchased our home in 2005. 
Through this process we have come to believe that something fraudulent occurred during the purchase period that we had no knowledge or understanding about. Wells Fargo was not our mortgage company at this time, our mortgage was sold to this company. 
Wells Fargo has been allowed to perform plentiful unlawful activity to consumers. If we in any shape, form, or fashion performed in the manner this company has we would be jailed. 
This situation is causing such emotional hardship on our entire family. We are pleading for help to save our home.
XXXX has been non-compliant with removing the unverified account SPRINGLEAF which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that SPRINGLEAF was not established by myself buXXXX XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I received a collection notice from a company called " Enhanced Recovery Company LLC '' stating that I have an unpaid balance with XXXX XXXX XXXX in the amount of {$98.00}. I called XXXX XXXX XXXX customer Service and they have no record of any out-standing debt in my name. I have n't had any XXXX XXXX XXXX service for the past seven years.
Creditor is attaching a debt for  XXXX  University and I never attended  XXXX  University. I told him that this was not mine and that I am a victim of identity theft yet he continues to call and harass me.
It is  2017    and I have repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.