WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, we initiated a mortgage refinance with US Bank in XXXX, CA. We completed the application, provided all information and got our rate lock and paid money for our appraisal. We emphasized that our HELOC was maturing and we needed to get this completed. They quoted 6-8 weeks. The appraisal came in higher than expected and the loan was sent to underwriting. Then everything fell apart. They delayed our loan for weeks. Then they sent a request for our accountant to give a forward-looking statement that our business would remain solvent for the foreseeable future. Our accountant stated in writing that it was against XXXX for him to provide that and provide the routine letter about our health. We provided tax returns and P & Ls. Finally after complaining that we felt we were being treated unfairly, they agreed to accept a letter from our CFO, and they drafted the letter. We complied and delivered the sign letter. They went silent for two weeks and all of inquiries were met with " we 're working on it ''. Three weeks later, they responded that they would not accept the letter and instead wanted a cash-flow analysis from our accountant stating again that the business would remain solvent into the future. They also mentioned our bank could provide that information. We took this to our business bank, XXXX XXXX, and their legal department said they had never heard of a bank making this request and that no bank or accountant could make that claim about future results. With nowhere to go, we had to cancel the loan after 10 weeks. We are now dealing with a second that has matured because of the delays and faced with starting the process again. We do not feel that we were dealt with fairly, and perhaps even in a discriminatory manner. We do not believe they treat others with our similar credit history and income level this way. It may also be that they quoted too low an interest rate ( we have been told that by XXXX mortgage brokers ) and simply wished to get out of the agreement.
I disputed a judgement on my credit report with Equifax due to inaccuracies on my credit report. I asked for verification on XXXX items specific to the judgment. Their " investigation '' took 7 days and they sent me a form letter that not only did not address my XXXX original verification requests, it simply stated they updated the judgment to " paid/satisfied '' with no explanation. It is now 30 days outside of my original request, they did not validate my disputes in question nor did they remove the judgment from my credit report, and the only thing they will do is initiate another dispute, essentially giving themselves a " do-over '' on their own incompetence at my expense. I do not have this judgment on XXXX of the XXXX bureaus, and would like it to be removed from my Equifax credit report. At the very least, I would like an investigation be done to look into Equifax 's policies and procedures when processing credit report disputes.
On XX/XX/2014 I refinanced a loan with One Main Financial. Unfortunately, the details of the interest rate and term of loan was not clearly disclosed. I was experiencing some very difficult times and made a mistake in taking out this loan. This predatory loan company had sent re-loan offer letters and had called me on how they would like to help. When I first received this loan they changed my end of month payment date to mid month. I immediately requested for it to be changed back. The loan officer indicated that they could change it after my first payment. After continued requests over a year and half, they finally changed it. Although, payments were made within 30 days and before late charges I was charged more interest and most of the time payments were credited to only the interest. Are there any regulation or is there a cap on what loan companies can charge? I am a XXXX and feel I am being taken advantage of. I have paid over {$5000.00} on a {$7800.00} loan and still owe over {$6000.00}. Also, I have always called in my payments and for the last several months when I attempt to call in my payments call go to voicemail. Because they have caller ID I believe this is a ploy to have you to be late with payment. The latter they receive the payment the more interest can be charged. Initially, it was clearly disclosed that I would be required to pay a daily interest rate. I continue to receive unsolicited letters, emails and phone calls to re-loan or happy for lower interest rate. The female staff that called me indicated that I might eligible to receive a lower interest rate, when I simply indicated that I would listen to what she had to say, she did a hard credit check before I had given her the ok. Right after she indicated that she had to pull my credit, I immediately asked if it would be a hard pull, and if so I do n't want you to do it. S he said I have already did it. I did no give permission. This affects my credit. I told her to put me on do not call me again if I want to inquire about a loan I will call you. She later called back and apologized. 

Please indicate if your consumer protection department help. 
Thank you in advance for any assistance.
Lendmark Financial- Attempted to make first payment on loan through XXXX bill pay. Called for the address and was given the wrong address by their customer service team. My bank let me know that the money had not been paid over a week later. So I called again and was given a different address so I resent the payment I received a notice for a fee for cancelation of payment a month later. By that time my wife and I had both made a payment and provided the bank information to Lendmark. I have sent the escalation manager several emails and submitted an email via their online complaint portal and have received no response. I have called again and have not been able to reach the manager I spoke to initially. Are you the correct org for this type of complaint?
I have repeatedly tried to correct information on my credit report. I have called all three reporting agency to have information corrected. They are always rude and never helpful. I have disputed information and no one has ever sent me the information of the investigation. The company 's just yes updated and it stays. This is not right. For example I have a XXXX XXXX  collection on my account that is not mine. I have called XXXX XXXX telling them it is not my account I asked the reporting agency 's to dispute this and send me the proof that XXXX XXXX sent them proving it was my account. I was sent a regular sheet of paper with an account number and the amount in collections. This is ridiculous. it is not my account and if it was my account they would have a bill, with the meter reading and everything. This needs to be removed from my credit report. Also I have three medical collections that keep showing up on my accounts ( all 3 bureaus ). I have disputed them they have been removed then in 3 months or so they show up again under a new company that bought the accounts. this is also ridiculous. It is ruining my credit and Im tired of having to sit on the phone with these people for hours trying to get is disputed and never getting any help. Please help me get these company 's to start doing there due diligence. and confirm that these accounts are correct. 

I also paid for and received a confirmation that a security freeze had been placed on my account for 2017 however there are still inquires listed on my account for this time.
There was a fraudulent charge made on the account. I closed the account on XX/XX/XXXX and received a confirmation via email that the account was closed. However, the account does not appear to be closed because another fraudulent charge was made in XX/XX/XXXX. I have informed the company multiple times and each time they send my request to a Security Department but they seem unable to fix the issue and close the account.
XX/XX/XXXX : Chase requested information regarding a credit card requested in my name, suspected fraud. XX/XX/XXXX : Advised Chase that I did not request the credit and it was indeed fraudulent. Chase advised they would cancel the pending application and remove the credit inquiry from my credit report. They also advised me to request a copy of the fraudulent application in writing and they would release a copy to me so that I could file a report of the identity theft. Advised Chase again in writing on XX/XX/XXXX that the credit inquiry had not been removed and that they had still not provided me with a copy of the fraudulent credit card application that I had requested in writing. As of today, XX/XX/XXXX, still no response from Chase.
I recently discovered a collection from Enhanced Recovery Company on my credit report from XXXX. I have no Idea where this came from, as I have never had XXXX services. I have been unsuccessful in receiving verification for the debt, as well. I have been told to contact the original company, XXXX, and when I do, they send me to contact the collection agency. It is going in circles.
RE : Consumer Financial Protection Bureau To Whom It May Concern : I am writing to complain about Non-Compliance for the following Credit Bureaus ( XXXX, Experian and XXXX ). I have requested my Full Consumer Disclosure File ... They have all failed to comply with FCRA, Section 609 ( a ) ( 1 ) by not providing the date of first delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. I've enclosed all 3 letters sent to the Bureaus requesting my Disclusure File. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX  is the Original Creditor and Original Account # XXXX   that I am concerned about ... I believe that a junk debt buyer of this account has violated FTC and FCRA Laws by re-aging debt. Please see attachment of XXXX XXXX. I sent all 3 Bureaus the processing fee of {$12.00} dollars, so far only XXXX cashed theirs, but XXXX  and Experian has not done so, nor returned to me. I am including a copy of a canceled check cashed by XXXX for the processing fee for my Consumer Disclosure fileXXXX  and Experian has not cash the checks sent for the processing fees so far. I am requesting that the CFPB engages all 3 Bureaus for Violating Consumer Credit Laws and especially FCRA, Section 609 ( a ) ( 1 ). This information is very important to me in defending myself and correcting my CR against a junk debt buyer that is hurting my report by Violating Consumer protection laws.

Kindest Regards
I have asked the company twice to not call me at work and to communicate with me In writing and they 're still calling me at work.
in 2008 my wife inquired to bank of america for a equity line of credit. I was not present at the time of the transaction but I did come in to sign the paperwork. I believed my wife so I signed the paper so as time went by we stayed current then XXXX we fell we were mislead and under informed about the true nature of this loan and its structure of double intrest.Thank you for your time and consideration of our matter based on the market. We contacted the bank to see if we could come to a better resolution .We sent taxes form everything they asked for and were denied at every attempt they would do nothing. So I am writing you for help we paid interest for the first part of the received a letter saying our payment would increase from {$360.00} to $ XXXX the time of the transaction the loan officer explained to my wife that there would be a slight increase loan now the payment as increased and there 's interest on that payment as well. I
Nationstar Mortgage discontinued sending my monthly statements two months ago for no reason. I have contacted them several times only to be assured that they will be promptly continued, then nothing happens. Their customer people are rude and unhelpful. In reading their reviews online, it is apparent they are doing this to many other clients in an attempt to generate more late fees. I am hoping you can help me with this matter.
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX   XXXX XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX AKA XXXX XXXX ) XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX, XXXX  XXXX
I called Penny Mac to make a payment and they informed me that my note had increased over {$500.00} and stated the reason as " city taxes increased ''. I contacted the XXXX County Appraisal District and discovered that the homestead exemption had not been applied. They applied it and notified Penny Mac. In addition, the tax office notified Penny Mac of the resolved issue and subsequent adjustment. Penny Mac has refused to adjust the amount of taxes. Penny Mac reps told me that they would not adjust the taxes because I am late with my payment. I questioned the reasoning to apply an additional {$500.00} in taxes that are not valid as a retaliation for late payment. I also was informed that if they did agree to adjust the amount at a later date after payments had been made that I would not see the return of that money until possibly the term of the loan.
An account from and old apartment complex was sent to Fair Collections & Outsourcing , Inc, the company failed to notify me that an account was placed in their office for collections, no letters were sent and no phone calls were made, i had no knowledge of this debt until i pulled ac copy of my credit report and noticed they made an inquiry to view my credit history, i immediately called the company regarding this to get understanding of what this debt was, the representatives were rude, they would hang up on me, they would keep me on extensive holds and their excuse was they had to take multiple calls at once which is completely ridiculous where i could n't even get my questions answered because the reps were rushing me and completely out of character, i disputed the validity of the debt because the charges were absurd and were made up, i immediately contacted the original creditor via telephone XXXX and spoke to a XXXX XXXX who had the correct charges disputed and advised me that she will advised the creditor they need to take a payment plan from me once they received the correct balance updated and someone would reach out to me to set up the payment plan, i confirmed with XXXX that this account owls not be sent into collections as long as i made payments and she assured me that it wouldnt, a few months went by and nobody contacted me by phone to tell me they received an updated list of charges and would be setting up a payment plan for me that would fit my budget, instead i get an email from the credit bureaus stating the account was reported on my credit report, i contacted the company and immediately asked they remove this from my report since i was not given adequate time to even pay this balance nor was i notified they updated the correct billing charges, i spoke to a representative named XXXX who was extremely rude and refused to assist me and told me he was n't removing this from my report, this company has violated many laws of FAIR DEBT COLLECTION ACT, from not notifying me of my debt, to listing items on my credit report without my knowledge of even owing the debt, from being disrespected and mis treated by representatives and having up on me and failing to collect the correct amount due of the balance owed after being instructed specifically by the creditor.
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Kohl's/Cap One of a fraudulent account established with her information without her consent. An official dispute of this account was mailed to Kohl 's XX/XX/2018 ; as of this date Kohls has failed to reply to the status of this dispute which they are obligated under federal law to do.
Add-ons to CFPB Case numbers : XXXX and XXXX How could my {$2100.00} check disappeared without trace as what XXXX XXXX XXXX, XXXX and his other Branch Bank Reps told me on XXXX/XXXX/16 at the local Chase branch office ( Chase @ XXXX XXXX XXXX, XXXX, NJ XXXX ) where the Chase ATM XXXX is located? It might be a possibility that someone purposely removed my {$2100.00} check from the Chase ATM XXXX since XXXX/XXXX/2016. That would be criminal and Chase Bank should track down that person who is responsible for this incident. The Computer System in the ATM should be able to create/generate logs from the deposit since I made the deposit around XXXX XXXX on XXXX/XXXX/2016. The ATM printed out a receipt after the ATM swallowed my {$2100.00} check without crediting {$2100.00} into my Chase bank account. As I witnessed, the ATM system was shutting down by itself after the receipt was printed, then I saw Window 7 Operating System Logo at the bottom of the ATM screen, then ATM rebooted itself. After the reboot was done, the message of " The ATM has experienced a Technical Problem '' displayed again on the ATM Machine 's Screen. I called the Chase Claim department at XXXX ( shown on the receipt ) immediately to file a claim right away and spent some time to explain clearly what happened to my deposit failure with the Chase Claim Specialist, but I am uncertain if the Claim Specialist who answered the call the first time was responsible and wrote down or recorded what I reported to her in greater details to help the research and investigations. 

QUESTION : Who has the solid background that can work and solve this problem with a concrete resolution for this ATM Deposit Dispute at XXXX XXXX on XXXX/XXXX/2016 that I made? It requires a team of very experienced Engineers to look at the ATM Computer logs and all video feeds to analyze, find the check, and know what had happened to the check that I deposited at XXXX XXXX EST on XXXX/XXXX/2016. This incident should be traceable as it ate my {$2100.00} check without crediting my Chase Bank Account, and the computer logs should be captured by the ATM computer system if the deposit is failed and I have a printed receipt to show. If not, I would really question the DESIGN of Chase ATM system that simply could not handle deposit failures like this. This is a failure of JPMorgan Chase ATM XXXX and JPMorgan Chase Bank , N.A . should take all the responsibilities and improve their ATM as soon as possible to prevent more Chase Customers from suffering losses ( both checks or cashes ). Do you build the reliable ATMs to allow customer to use it? Most of all, I need the {$2100.00} to be credited permanently from JPMorgan Chase Bank , N.A . and this matter can not take lightly.
Paypal Complaint Attempt to steal money from my account Paypal has attempted to steal money out of my checking account, by discretely requesting a withdrawal of funds from my bank checking account on file without notifying me prior and without requesting my permission. I have a current dispute with paypal ( see complaint # XXXX ), due to a chargeback paypal claims I am responsible for. Regardless of the fact this chargeback came from a customer who paypal verified as honorable and a payment method paypal also verified as acceptable. I have disputed with paypal that i should not be responsible, because I am the one out over {$2000.00}. I had no way of knowing the charge card used was unauthorized because paypal does not allow sellers access to the information necessary. Additionally, Paypals agreement basically says ; trust us and if you trust us we have your back Paypal charges large fees to use their platform boasting security and seller protection. But, Paypal has policy language that is not reasonably visible to potential buyers/sellers and paypal does nothing to make it known. Paypals user agreement is 51 pages long, 29,592 words and 177,896 characters and 3096 paragraphs. Paypals research informs them a large majority of potential clients will not read the entire user agreement. I have done a but of research, currently have a poll asking paypal users is they have read.
The entire paypal user agreement Approx. half the user agreement 25 percent or less None at all At this time, with 112 responses, current results are : A. 0 B. 2 C. 61 D. 49 In other words, 98 percent of Paypal sellers and buyers have read less the 25 percent of the user agreement. The language in Paypals user agreement allows paypal a way to charge sellers for disputed transactions. Paypal does not provide this information in Plain sight to consumers, sellers or buyers as a deliberate attempt to mislead or seduce consumers to using their platform and paying large fees for Paypals protection. If sellers and buyers were aware of this language Paypal knows they would have a difficult time justifying the fees they charge. As for this complaint, Paypal has attempted to debit my checking account for the full disputed balance prior to the completion of their investigation without my permission. Paypal made no attempt to notify me they would debit my checking account on file, therefore deliberately trying to do so without notification or permission. I am sure Paypal will claim that somewhere, hidden in thousands of words there is language that gives Paypal permission to debit my checking account at any time for any reason they feel appropriate. I am also sure more than 95 percent of the  consumers using Paypal are unaware of this. Hey Paypal, get ready for another class action. But this one there will be no settlement. I want a jury trial and I have the law form that is willing to go the distance.
This account was disputed with " Experian and XXXX XXXX XXXX XXXX XXXX '', a letter requesting its validation with a 30 days compliance reply requested by mail and send via certify letter on XXXX/XXXX/XXXX with No answer I further remind that, as in XXXX XXXX XXXX Experian Corp., No. XXXX ( XXXX XXXX XXXX, XXXX ), may be liable for your willful non-compliance. XXXX XXXX Bank Acct # XXXX 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Experian still have this account in my credit report after failing to comply with a 30 notice to comply with the law.Fair Credit Reporting Act
Correspondence was sent t o ARS LLC o n  XXXX / XXXX / 2017  inquiring about a {$1700.00} medical debt reported to  XXXX ,   XXXX    &   XXXX . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact tha t ARS h as never provided any verification of debt, further proves this for me. FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illegal for  ARS to contin ue reporting this debt.
My current mortgage is Nationstar. I fell behind on my payments and started bankruptcy in XXXX after reduction in hours at work. In XXXX XXXX I defaulted again w Nationstar and my bankruptcy case was dismissed. Since this in XXXX XXXX when it was dismissed I have tried to do loan modification. After filing all the forms they requested they kept making excuses that my paystubs could n't be read. To resubmit this and call back next week. End of XXXX XXXX I still had not gotten anywhere because they were still not happy with my paystubs and trying to read them even after explaining paystubs work days and check amt. I hired a company to modify loan for me. Again they made me resubmit all the packet since they no longer had my paper work. Again complete paperwork requested was submitted last Fri they are requesting wages for a week in XXXX I did n't work. They also requested I resubmit their tax document form XXXX XXXX current date and not the date of when I first filed in XXXX XXXX. In the meantime they somehow put a for sale date on my home for next week XXXX XXXX and failed to inform me. I have to resort to spending another XXXX to file bankruptcy again. The balance on my loan? {$14000.00} The company I hired has worked w them in the past and the person helping me directly says they are clearly trying to keep the home that he has never encountered such trickery.