WillisBack/dataset-financial-user-claim huggingface dataset:
.We purchased a home from XXXX XXXX and XXXX XXXX in XX/XX/XXXX. We purchased a mortgage thru Chase bank. Chase bank has on record that we filed bankruptcy in the passed which we never did. The former owner of the home filed bankruptcy and chase Bank thinks our name was on the deed with the former owner which we have no connection. The deed reads that the former owner granted us the deed at closing. I have called our register of deeds dept and they confirmed we are the only ones on the deed. I also called our title company and confirmed the house was not in the former owners bankruptcy case. I also called the former owner 's bankruptcy lawyer and she confirmed we are not at all involved with his bankruptcy and they have never heard of us until Chase Bank sent them a letter stating about our mortgage loan. On XX/XX/XXXX we received a letter stating it was Chase 's error and that we did not file bankruptcy on our loan and it would be corrected. The only thing they corrected was saying we were not bankrupt on our loan and their records still state we filed bankruptcy in the past. The former owner settled his case so they say it has been resolved but still lists us as filing bankruptcy. I have called XXXX Executive Office to get this resolved on XX/XX/XXXX, was assigned a case number but no action is taken as of XX/XX/XXXX. I called Chase on XX/XX/XXXX and XX/XX/XXXX and they confirmed our name was still on their records as bankrupt. Chase said it was supposed to be reviewed in 10 days but it was over the time. She said she will have them investigate this and have it moved up to the top. We are very concerned this false record will inpact our fulture loan abilities
My mortgage was recently sold last year from Americas Servicing Company to XXXX, and during the transition ASC filed a foreclosure on my home while they were not servicing my mortgage and as a result this negative and derogatory information is plastered all over the internet for my home address of XXXX, tn XXXX as well as public records. The fact that my home did not foreclose, and is not in foreclosure and ASC reported it as a foreclosure has posed a problem for me that is very embarrassing and now my employer is asking questioning me about it. I feel that ASC should erase this information from my address. I am so upset, I can barely sleep all night. This is hard to deal with and I need your help in getting them to make the corrections to this problem that they caused.
I was involved in an car accident in XX/XX/2015. The car resulted in a total loss, i submitted all the proper paperwork to my insurance company and GAP. My insurance- XXXX XXXX paid off the majority of the vehicle debt. the only problem was my GAP insurance did not pay off the remaining balance due to an incorrect cancellation. XXXX XXXX XXXX, XXXX requested GAP to be cancelled instead of paid out resulting in a balance that should have been covered completely and not a partial payment leaving me with a balance. I tried to dispute it with XXXX XXXX XXXX but they told me the case has been closed ( and filed incorrectly as a cancellation instead of a pay out ) and there was no way for them to reopen up the case and for the case to get settled.
I got a letter from the bank saying they ran a hard credit inquiry on my credit which turned out fraudlent. 

They have asked Equifax to remove the hard credit enquiry and thats the content of the letter there is no response from bank of a follow up nor has equifax taken any action
Home is in short sale and Select Portfolio Servicing is taking too long to approve current offer. We had prior offer that was canceled XX/XX/XXXX because buyer waited too long for bank to approve. Now afraid current offer received XX/XX/XXXX will be cancelled too because of bank. Bank is requesting documents that have been sent many times for 1st and 2nd loans and they say " not received ''. As of today they say still missing documents for 2nd loan. Realtor has sent many times two sets of documents, one for each loan.
Do want to thank the CFPB for providing a forum to address Mortgage fraud. In my case JPMorgan Chase and XXXX XXXX as the CEO. JPMorgan Chase was and is the judge and jury in this case of downright fraud. They gave me a verbal mortgage ( their written word ) and decided after the first payment that they would no longer accept anymore payments. Dealing with over XXXX of their representatives - who were working under the direction of JP Morgan Chase with an incentive to foreclose on homes ( still waiting for XXXX XXXX to confirm ). No amount of forms filled out and sent by every conceivable method would ever arrive intact for this company. The stress, the torture that I went through is unbelievable. The answer was always the same - your file is empty, nothing in the file - who gave you the mortgage, who told you your home is in foreclosure, we have no idea what you are talking about. In the meantime bills that I was not allowed to pay was being wracked up by this dishonest institution. They finally had to agree recently that the claim of sending XXXX inspectors to our home was a mistake. I never saw one. No one ever rang the doorbell. Absolutely dishonest financial institution and as they say 'A fish stinks from the head down '. Now I am constantly on a 'merry-go-round '' of papers with them. Each week I can guarantee that they will send another form telling me that they are " Researching '' and will get back to me. Researching what. You had nothing in the file to begin with, unless you are trying to find ways to lie. What is there to research after all this time and fooling the CFPB about 'partial response '. A morass of corruption if ever I see one. At this time, I am taking my frustrations to the next level..Let me and XXXX XXXX take our case to the American Consumer. Let them continue with the useless 'researching and asking for extension ' routine. So thank you CFPB for providing a platform, however this is going nowhere and JPMorgan Chase has this figured out. In every instance of corporations and countries having a XXXX moment ' it is usually done by one individual. Well, I will make sure that 'Too Big to Fail '' JPMorgan Chase has its day of reckoning and hope to one day see the CEO XXXX XXXX doing the 'perp walk '. It is about time. There are many politicians out there in this competitive election year who would definitely like to put a face to the mortgage mess created by dishonest institutions like JPMorgan Chase while taking government bailout. Thanks again to CFPB but dishonest institutions like JPMorgan Chase feel secure in knowledge that they can fool you and everyone with useless extensions.
Called asking family of I still drive the same car, if I was at work had same job. If they had talk to me. Call people I have n't spoke to in 20 years multiple times. XXXX and scaring them.
Bank will not give me my funds from my direct deposit. MANAGER IS THE RUDEST I HAVE EVER EXPERIENCED. I called into the Regions Bank XXXX XXXX branch to speak with XXXX, who by the way has not been any type of help at all. She seems to show no passion or concern for my situation. I opened the account online, and for whatever reason the account was closed. They said maybe because of chex system. I went into the branch the day after opening the account and they said it was ok for me to have my direct deposit from my job to be deposited in this account. Acct. The day of my deposit, XXXX/XXXX/15, I am not able to access my funds. They told me my account is being closed down. XXXX refused to try to make any calls to back office to see if there was something that could be done. The manager, XXXX i believe, at the XXXX location branch was very nice, but also said XXXX was rude with her on the phone. Are you guys really here to help the customer out. However, I have car note, mortgage, and funeral arrangements to pay for. I need my {$1200.00} out of this account. The 10 day rule is not going to work for me. Either you guys refund me my direct deposit or reject it so that my employer can write me a manual check. It 's that simple. I have been in tears today, because this is my first check and it was deposited with confidence that I would be able to access it. I have children to take care of. The fact that you want me to wait 2 weeks nearly to receive my funds in the form of a check is ridiculous. i would like my account assigned to the XXXX branch, where I work and deal with them. I DO NOT WANT TO DEAL WITH XXXX FROM THE XXXX XXXX BRANCH IN XXXX. XXXX basically sat on the phone and told me " Tough Luck! '' Never was she apologetic. She is not what I though Regions would be a representation of. I really hope she is replaced with someone who actually wants to do the work and find out what 's going on. Well Regions Bank, I need my funds. You guys have closed the account, give me my hard earned money that I have worked for. I have contacted XXXX at corporate as well. I told her to PLEASE DO NOT MAIL MY CHECK OUT IF YOU GUYS HAVE TO CUT ME A CHECK.SHE SAID IT WILL GET MAILED TO ADDRESS ON FILE. I WANT TO PICK MY FUNDS UP FROM THE BANK. SOMEONE NEEDS TO HANDLE THIS ASAP, OR I WILL BE ON EVERY BLOG AND SITE TELLING MY HORRENDOUS EXPERIENCE.
1. Sold a consolidated loan but it was not disclosed that this would disqualify me from receiving teacher loan forgiveness programs. 
2. Later, refused to 'receive ' my application for in-school deferment. I had to give up eventually. 
3. Enrolled me in a low income repayment program without disclosing this would be taxable, and that it would capitalize. 
4. When I began making standard payments on a standard repayment plan, I called to ensure my loans would not again capitalize ( as they had only months before ), I was assured they would not, and they were. So, the {$15000.00} or so I paid in 2016 resulted in a principal balance that was {$1000.00} more than I had had one year prior. 
5. They robo called initially. 
6. They NEVER respond to email. They do not record calls in California. The documentation they send is impossible to understand without a XXXX XXXX.
My student loan creditor, NAVIENT is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). <P/>The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. <P/>( 8 accounts ) Loans were placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX. <P/>Loans were placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. <P/>Loans were placed in forbearance on XX/XX/XXXXand retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.
I recently received notification from my bank the my account had been levied by Mid-Atlantic Recovery by way of XXXX XXXX regarding a debt that is more than 10 years old. I did n't receive any written notification to appear in court so that I could dispute it. O have sent a letter to XXXX XXXX questioning the original debtor and how can they initiate legal action against me on an old debt. I am awaiting a response.
This complaint is about Equifax credit reporting company. I have asked them repeatedly to remove the loans which were originally done over 8 years ago. XXXX XXXX XXXX XXXX then sold them to XXXX XXXX XXXX. We reported this unlawful transaction to XXXX and XXXX credit reporting companies and they have removed them in a timely manor. Equifax has continued to drag their feet by refusing to remove them after repeated CFPB complaints to them. they still appear on page 5 of my 26 page credit report dated XXXX-17. These 3 negative reports from Equifax is causing me not to qualify for Refi loan at a lower interest rate.
On XX/XX/XXXX, 2017 I sent a letter to Capital One/ Neiman Marcus  asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XX/XX/XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor Capital One/ Neiman Marcus is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, XXXX and XXXX, but that they also furnish said reporting agencies with the correct address information to be reported.
I refinanced my loan with Carrington Mortgage LLC in XXXX of this year 2016. As early as this month, my mortgage payment has gone up again. When I contacted Carrington in XXXX 2016, they assured me that my monthly payment would not go up. They told me that there should not be another escrow analysis done until next year. For whatever reason, my monthly payment has now gone up again. I only refinanced a few months ago! I have to wait on the phone for literally 45 minutes to an hour to get an " explanation '' that does not make sense. I can also not make more than XXXX payment online per month. Ever since Carrington took our loan from XXXX XXXX XXXX it has been a nightmare.
DOCKET : XXXX XXXX XXXX XXXX V. XXXX XXXX, XXXX XXXX I defaulted in this loan back in XX/XX/XXXX. I have made every attempt possible with GMAC, OCWEN, XXXX XXXX to get a modification that is duable. This bank does not have my original note, they told the judge that the NOTE was lost on or about XX/XX/XXXX. I defaulted when I loss my job on XX/XX/XXXX. I sent packages, they tried to foreclose me and released the liens pends. I filed for bankruptcy, debt was discharged. It has been over 7 years, going on my 8th year fighting with these institutions. During my bankruptcy, the bank abandoned the property, after discharged they assigned the loan to XXXX XXXX  who made my loan part of a securitization. My loan is a JUNK loan, they had given me an arm loan. I have asked them to reduce the principal amount as GMAC and XXXX XXXX settled with the Federal Government and they wo n't do it. They are offering me a 30 year balloon at 4 % with monthly payments of over {$2900.00} for a dilapidated home that wo n't appraise for {$320000.00}. The principal amount they are looking for is almost $ 650K. This is crazy, someone please help. These thieves are ruining our country. On XX/XX/XXXX my lawyers have a conference call with a foreclosure mediation at XXXX XXXX. The superior court clerk 's office is XXXX ( open from XXXX to XXXX XXXX ) email to participate is XXXX I have not been properly served notices ( mailed to me past any deadline ) or simply I have not been served ) I have asked for copy of my original NOTE, they ignored my request. 
I have asked for reduction of principal amount, they ignore my request I have asked for relief while I was unemployed, they accelerated my foreclosure I have met every single agreement requested by the lender 's attorney during mediation I am a single mother of Two college students, hardly making {$15.00} per hour and my husband is incarcerated. I need someone to take a look at this mess and try to fix it and help me. A 40 year balloon at 4 % is no RELIEF!!!!!!! please have someone one call me at XXXX. There should be a statue of limitations, there should be relief, whenever I asked for help I did not get any, to the point that I had to hire a lawyer. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - Phone : ( XXXX ) XXXX Ask for XXXX ( XXXX ) or you may reach me at XXXX. PLEASE HELP ME SAVE MY HOME
As of XXXX XXXX I check my credit report with XXXX, XXXX and Experian and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on XXXX and 13 hard inquiries on XXXX and 4 on Experian. 

I have been disputing with Experian, XXXX and XXXX but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX XXXX, XXXX.
I am a victim of identity theft and have been a victim of identity theft for over 11 years. The following 2 credit card accounts are fraudulent and unauthorized :  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I have never lived at the above address. I want the following phone number deleted from my credit report : XXXX, the phone number do n't belong to me
XX/XX/2017 XXXX : I received a call from XXXX at Southern Finance at XXXX SC XXXX. XXXX told me that a check had been cashed in my name, and that repayment was expected. 

Suspecting a scam or con-job, I asked for additional information. XXXX told me that they had mailed a check to me and that it had been cashed. I told him I did not know anything about this. XXXX provided a SSN and DOB that match mine. 

When I asked him, XXXX told me that checks had been mailed as a promotion to many people, and that cashing these checks was acceptance of a loan with interest in the 40 % area. XXXX told me that they had obtained by address, SSN, DOB, and credit score from XXXX. 

I told XXXX that I had not received any such check, nor had I cashed any checks in that amount. XXXX tried to tell me that a relative or roommate must have cashed it, and that I was responsible. I have no relatives in the area, and live alone. XXXX told me that someone must have taken the check from my mailbox, and said that he needed me to present myself to him in person to " get to the bottom of it. '' I declined to do so, because I believe he would try to trick me into giving him information to add to his file and make it appear legitimate. Specifically, I think he would have tried to trick me into letting him copy my ID to add to the file and make it appear that I had applied for the loan in person. I think that security camera footage showing me in his office would be added to the file to make it appear as though I applied for the loan in person. 

I believe that the practice of sending out checks for loans that were never applied for is deceptive and predatory, because many people receive many checks from many sources, and would believe such a check to be a payment from a client or a settlement, and deposit it without realizing they were obtaining a high-interest loan. 

I believe that this contact from Southern Finance was an attempt to commit fraud and collect on a loan that does not exist.
I have been disputing a XXXX XXXX account on my credit report with all three Credit Bureaus. The disputes led to XXXX XXXX taking me to court over a credit debt of {$2100.00} on XX/XX/2016. I filed an Answer with the court denying the debt was mine. After meeting with the attorney who showed me copies of statements which I denied any knowledge of, we were unable to come to any mutual agreement. We had to continue with court which the Judge ruled in my favor the defendant. The attorney was unable to prove the debt belong to me. I was given a copy of the Judgement which i sent a copy to all three Credit Bureaus, XXXX, XXXX and Equifax. They still continue to report this debt as does XXXX XXXX who also has a copy that was given to there Attorney.
Beginning of XXXX I called to tell them that my payment would be a few days late and I would like my DUE DATE moved later in month as we get paid always toward end of month.
He told me no problem. There MIGHT be a late fee but call back if there is and they can remove it. I received a bill for {$130.00} instead of the usual minimum payment of {$77.00}. I called and they said they see my call saying it would be late, but the rep did NOT make a note about reversing the late fee given my explanation of medical emergencies with my husband. They not only charged me {$38.00} LATE FEE but also {$17.00} in EXTRA INTEREST. I am ALREADY paying interest and that sounds like too much for one month payment. It should like it would be breaking usury laws of some sort. It sounds like they have a limit of the late fee and just decided to make up something for extra charges. Very unfair. Unethical at the very least.
<P/>
2. When I went to make a screen shot of account summary I noticed I have paid {$600.00} in interest during the past 12 months ... that seems excessive as well. I hope someone will check into this. I can send more documents if needed.
I have parent plus loans consolidated from XXXX XXXX XXXX in XXXX XXXX, WI and XXXX XXXX University combined for my XXXX children. When my daughter graduated from XXXX all loans were consolidated into one loan making a huge monthly payment. I have been on an income based repayment plan since 2015. The beginning principal balance of the loan on XX/XX/2015 was {$200000.00}. I have made every monthly payment requirement since then and my loan balance has done nothing but increase due to capitalized interest every year. The current balance is now {$230000.00}. As long as I live, I will never be able to repay this loan. Navient has put me in an unfair, impossible situation I will never recover from. My income will never be enough to support this payment schedule. Navient has told me that as long as I pay for the next 25 years, the loan will be forgiven. I am a parent who decided to help my children and now I will be financially burdened until I am XXXX years old! I do not want foreberance or deferrment, I am willing to pay this debt just not under these impossible terms ....
I sent XXXX dollars to my friend in XXXX that I send money to often to have things done to and for my home in XXXX. When he went to get the money, with his I.D . and the ref. number and was given the run around at every place that he went to get the money from MoneyGram. Then at the last place that he went they wanted me to call a XXXX speaking MoneyGram number in XXXX. I called the number on my receipt and when I complained 2 different people started asking questions that were none of there business like do you know this person, why am I sending him money and what am I sending the money for and I told them he was taking care of things being done at my home. They continued invading my privacy to the point I told them it was none of there business and issued a refund. This company should not be allowed to have a business if they don't intend to do the service anyway. I really hope the government doesn't own this to get involved in peoples business. I really would like some kind of action against them and I would like a reply from you. Thank you
I contact company ( Santander ) at end of XXXX to inform that I paid for XXXX months payments in XXXX in the amount of XXXX for XXXX and XXXX. Calle rstated company has 30 days from the date recieved to inform credit Bureau. I stated its past the 30 days and i was informed to file a dispute with credit bureau. I filed a dispute no actions taken. I called back in middle of XXXX I was told issue will be escalated and fix still no change. I contacted company again in XXXX filed a compliant since it has not been reported that I made a payment for XXXX and XXXX and was informed complaint will be resolved in next business day still no resolution nor has issue been resolved
Bank of America , N.A . closed my BankXXXX XXXX XXXX XXXX XXXX card account ( among others ) without the 30 day notice required under XXXX law and confiscated XXXX " travel reward '' points that I had available at the time.