WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX a charge was made to my account for over {$18000.00} from XXXX XXXX. The charge was due to an error made on XXXX XXXX end ( ultimately XXXX upper management agreed with me that it was a mistake ), but Chase failed to impartially review the information and make the same conclusion. They validated the Charges twice despite two disputes and copious evidence. 

I called to inform Chase that the charge was unauthorized ( as in I did not purchase anything from XXXX, though they did have my credit card on file ). They opened a fraud case which eventually became closed as I did provide the credit card information to XXXX. 

I re-disputed the charge, and making a statement that XXXX switched my account to a paid service without authorization ( I was using a service under XXXX that was covered by usage credits they had granted me ). I submitted copious documentation showing the invitation email, the terms of the monetary credits, and my usage of the credits under their " sponsorship plan ''. I showed that the plan was switched to a paid account without my notice or authorization. 

Chase again closed the dispute as a valid charge, despite the evidence. Their stated reason for marking it as valid is that I had received services. My primary claim that I did not even sign up for the paid services in the first place was ignored. I provided documentation that my credit card information was provided for the sole purpose of activating a special sponsorship subscription plan in which monetary credits would cover 100 % of usage costs. The agreement specifically outlined the *only* two cases under which the plan would be converted to paid plan, and neither of those conditions had been met to warrant switching to a paid plan. I showed them that the plan that I signed up for was switched by XXXX employees to a normal paid subscription plan without my knowledge or consent. 

I had then called in to tell them that I was making a claims and defenses dispute with my evidence. The product advertised ( usage of their service under monetary credits ) was not received as per the agreement for providing billing information in the first place ( they had switched the plan from using credits to being fully billed without my knowledge, authorization, and in violation of the agreement for signing up for the service ). Multiple agents on repeated calls informed me that I could not make such a dispute, and that if it was not a billing error with an explicit receipt showing that XXXX charged the wrong amount, then they would not investigate. I informed them that federal law requires them to investigate claims and defenses, to which they ( paraphrased ) responded " I can not advise on legal issues ''. 

Furthermore, during this whole process, and despite XXXX upper management ultimately reviewing the same documentation provided to Chase and siding with me ( they issued a refund ), Chase reported the amount due to credit agencies which informed me that my credit score was lowered. Chase disputes representatives also repeatedly  denied me my rights to a claims and defenses dispute by denying any knowledge of this federal law.
I have not received this year 's {$21000.00} principal reduction promised to me in Nationstar 's XX/XX/XXXX HAMP approval letter to me on page XXXX, " [ s ] o long as [ my ] modified loan remains in good standing. '' Obviously that was a huge inducement and caused me to go ahead with the loan modification. I have never missed or even been late with a payment since my approval but somehow I am now being denied the promised inducement. 
On XX/XX/XXXX, prior to sending the completed loan modification paperwork in, I spoke with an XXXX ( or XXXX ) and a XXXX from Nationstar 's help line on two separate phone calls to their customer service line, XXXX. I wanted to make doubly sure that the promises and inducements referred to in their XX/XX/XXXX Hamp approval letter like the one referred to above still applied even though they were not mentioned in the modification documents I signed. They both assured me that those promises and inducements still applied as a separate agreement " [ s ] o long as [ my ] modified loan remains in good standing. '' They also said that those promises and inducements were not included in the modification documents because I do not become entitled to them unless and until I have qualified for them by keeping the loan in good standing for the requisite period. Based on those conversations and those promises and inducements, I sent the loan modification documents in. 
In addition I sent Nationstar a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) giving you Notice of Error, Complaint, Request for Information and written answers to my questions about this on XX/XX/XXXX. I understand that under Section 6 of RESPA they are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. I did receive a cryptic response from them setting up some new condition and calculation that was never mentioned or included in their XX/XX/XXXX Hamp approval letter to me. They did not give me any details as to why I did not qualify, what this new calculation is, why I was never appraised of this prior to my decision to go ahead with the loan modification and finally, they did not even send me that information within the required 60 day period. Their response letter was dated XX/XX/XXXX, some 76+ days later.
The issue at hand is my servicer Shellpoint. I have been trying to resolve the issue of my past due payments with Shellpoint. Over the past few years and months I have received correspondences from Shellpoint with different past due amounts. I would like to know : Why the amounts past due keep changingHow did the past due amounts jump from only {$190.00} in XXXX XXXX to {$800.00} in XXXX XXXX. 
I have received my payment history from Shellpoint, but there seems to be fees that were told to me verbally that do not appear to be in the payment history, or, I may be misunderstanding my printout. It was told to me that there was a " Third Party Recovery fee '' of {$250.00}. What was the fee for? 
In XXXX XXXX, there was an insufficient funds charge for a check that bounced, I mailed in a money order for {$140.00} to cover the insufficient funds ( {$20.00} ) and my payment of {$120.00}. I feel I do not owe the {$20.00} insufficient fee because I paid it along with my mortgage payment. 
Can Shellpoint please explain to me how my payments are applied, to principal and interest, escrows or fees which is applied XXXX? 
Last year in XXXX XXXX, I spoke with a Rep at Shellpoint, do believe her name was XXXX, I called XXXX and we set up a payment of {$110.00} in addition to my regular payment that comes out of my account electronically. I sent in the additional payment of XXXX and it was returned stating that I did not have send in a full payment. Please help me get this straightened out once and for all. 
I would like to know what do I actually owe that is past due? XXXX amount, not several different amounts. I have attached documentation to support my complaint. 
Thank you kindly for attention to this matter.
Complaint Details I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Transunion credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Transunion via mail and phone but I was denied to get these items removed from my credit report. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Transunion and stated this, I was constantly told to contact creditor even after I told you all that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Transunion to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
<P/>
The list of unauthorized credit inquiries consist of :   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX   XXXX  inquiry from XX/XX/XXXX   XXXX  inquiry from  XX/XX/XXXX
On XX/XX/2016 by Certified mail Southwest Credit Systems, LP ( hereinafter SCS ) was notified that I am disputing that I owe them {$100.00}. As I 'm sure you know they are required by law to validate this alleged debt. They were also noticed that SCS is required by law to mark it disputed within 30 days from delivery of that notice. SCS did not respond to this letter nor did they mark my Credit Reports as " disputed '' within the 30 time period. 

On XXXX/XXXX/2016 by Certified Mail SCS received a second good faith attempt to correct their Administrative blunder advising them that they had failed to validate and failed to mark the alleged debt " disputed '' with the Reporting Agencies. 

On or about XXXX/XXXX/2016 I received a letter from SCS with what appears to be some type of accounting and or statements. Statements or accounting reports DO NOT meet law requirements to validate. Validation, by law, is something with my signature where I would be under some legal or contractual obligation to pay SCS. 

On XXXX/XXXX/2016 I responded to SCS via Certified Mail advising them that they " FAILED '' to validate, SCS also FAILED to mark my Credit Report as disputed and gave notification that because I have exhausted my administrative remedy in this matter that I would be filing a Law Suit against SCS. 

I have kept impeccable records ; I currently have admissible evidence to both ; Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ) violations. 
I currently have over {$3000.00} in violations. 

I will be filing a case in Small Claims Court against SCS on or about XX/XX/XXXX and have retained a local Attorney to argue my case. 

Keep in mind this alleged debt is {$100.00} and I have already invested over {$1100.00} to resolve it. 

I did find comfort in my Legal Council advising me that if he did n't WIN I did not have to pay him, he claims it is a slam-dunk AND after checking on other similar cases he will be suing for {$10000.00} which is what Small Claims Courts in XXXX Carolina allow. 

SCS was also advised that once the case has been filed I will no longer communicate or negotiate with them. 

I am reporting this to the Bureau of Consumer Financial Protection as I believe I am duty bound to notify. 

THANK YOU!! 

Respectively, XXXX XXXX
The collection agency keeps calling my cell phone with one ring everyday. when I return the toll free call ( XXXX ) to let them know that I do n't have a debt to pay and that I am a registered " do not call '' number ( XXXX ) they say they will remove my number but they keep calling ( over 6 months now ).
I am disputing the delinquent balance on my home loan due to money mismanagement on the behalf of my loan servicers.   I n   XXXX   XXXX   XXXX  , I re ceived a loan modification from   XXXX   XXXX   XXXX   .    The loan modification agreement was to change my home loan from an adjustable rate to a fixed interest rate.   I n   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    was now the new servicer and I was making my payments of  XXXX  which was for principle and interest. I was responsible for paying the real estate taxes and homeowners insurance separately.   On  XXXX   XXXX ,   XXXX   XXXX   XXXX    started charging me a fee for the city taxes. I disputed the charges with   XXXX   XXXX   XXXX   and the   XXXX   XXXX   XXXX   . I continued to make the required payments of  XXXX .      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   started sending me checks for different amounts. I sent the checks back to   XXXX   XXXX   XXXX   with a letter stating their error in posting my payments in a timely matter. This went on for two years.     On   XXXX   XXXX   XXXX  ,  I received a letter that   GreenTree will now be the new servicer.
Once Greentree received my loan, I started being harassed by their collection department calling stating I was delinquent and dem  anding that I send a check to bring my loan current.   On     XXXX   XXXX   XXXX  , my loan went into foreclosures status.
I continue making my pay  ments but they were never credited to my home loan.    Greentree held my payme nts form  XXXX  to  XXXX  and the money was never taken from my banking account.    GreenTree d id return all of the payments that they held. When I spoke to a representative, I was advised to stop making payments unless I make a large payment to bring my account current.   I had no communications with the servicer.
On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to settle an old charge off on account # XXXX that had a balance of {$460.00}. 
I was referred to XXXX that is the company who is in charge of this account even though XXXX XXXX XXXX is the XXXX reporting to my credit files. 
I was able to get a hold of XXXX, and we agreed to settle the account for less than the full amount. I spoke with XXXX XXXX in regards to the account and the agreement was for me to pay 55 % of the balance owed and my payment was going to be for {$250.00}, the confirmation # given is XXXX. This amount was deducted from my bank card and they agreed to show on my credit report a balance of XXXX and a notation that the account has been settled for less than the full balance. On XXXX XXXX, 2016 I pulled a copy of my credit report and it shows that XXXX XXXX XXXX is now showing a balance of {$200.00} for the remaining that was not paid, and is supposed to be the forgiven amount. 
According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes found. 
I thank you in advance for upholding the federal laws as directed by FCRA and address this incorrect information being reported by XXXX XXXX XXXX. 
For a creditor not do this is a violation of the FCRA. 

XXXX XXXX.
Equifax has me locked out of their online dispute system to upload supporting documents to my complaint. On XX/XX/2018 I received an alert detecting there were changes in XX/XX/2018 from a certain banking provider. XXXX XXXX XXXX removed a good standing account and reported derogatory information left unresolved by XXXX XXXX fraud team in Virginia. 

I received another alert on XX/XX/2018 that my name was updated. I contacted Equifax and the call was routed outside of the United States to a Country whereas English is not their primary language in which the individual could not comprehend my dispute regarding other items I noticed decreasing my score without reading from a script.

Equifax has me locked out of their online dispute system to upload supporting documents to my complaint. My credit score decreased 63 points.
I have a $ XXXX/mo credit monitoring account at XXXX. It was setup under a free trial 6-8 months ago, but I have been unable to cancel. My membership no is XXXX. The company requires calling XXXX to request cancellation. I do that, but the message says service representatives are busy. After 30 minutes or so the line just hangs up. I have no way to cancel these charges, for a service I do n't want and never intended on using.
Written request was made to the company via mail as well as via to a point of contact at the company who acknowledged receipt of notice to cease and desist. They have continued to call repeatedly after receiving my formal request to only communicate with me via email or in writing due to conflicting information given to me by different individuals who supposedly work for this company.
Why I can get to refi my home I have over 35 % equity and income to qualify, because I am XXXX and XXXX years old, On XXXX XXXX, 2016 I submitted my application to refinance my home, I received email from XXXX XXXX ( XXXX ) she will be my loan Originator ( NMLS XXXX ) after lucking the interest rate at 3.625 % that it will expired XXXX/XXXX/2016 ( 60 days from lucking date ) and submitting all required document including the appraisal fee of {$490.00} and WAS ORDERED ON XXXX/XXXX/2016 and it will be return after loan is funded, flood certificate, linear Borrower Authorization ( XXXX/XXXX/16 ), Title was ordered on XXXX/XXXX/16, on XXXX/XXXX/16 after talking XXXX XXXX and getting an email that " my application is completed and waiting for processing about 10-12 business day away for processing '', on XXXX/XXXX/16 emailed from XXXX XXXX ( XXXX said XXXX moving into different role and XXXX taking over, on XXXX, I asked XXXX if the loan is not funded by XXXX the interest rate locking will expired on XXXX she reply " we will extend it at no cost to you '' but my rate did expired and was not lock, on XXXX/XXXX/16, XXXX XXXX XXXX ( XXXX ) Processor NMLS XXXX, emailed me that " your file assigned to me for processing loan assigned ", on XXXX XXXX XXXX my bank statement and taxes again so I emailed her except my SSA income for my daughters that Can not be down loaded from social security administrator so I called social security and it will take few days to get them before I received them on XXXX/XXXX/16 I received email from AmeriSave that '' after reviewing your application we closed your file for incompleteness or we are unable to approve your loan '' so emailed XXXX and she emailed me on XXXX/XXXX/2016, " I am not sure why you receive a decline notice by email today, I am looking into the issue right now, I told the processor I was still waiting on additional income from you BUT THE LOAN SHOULD NOT HAVE BEEN DECLINED and I apologize for confusion '' and XXXX I received email that we receive you appraisal that appraiser ( XXXX XXXX ) sent on XXXX/XXXX/2016, then on XXXX/XXXX/2016 I received another email that my application was closed according to XXXX, " creditor must notify applicant of their lending decision WITHIN 30 DAYS OF FILING OF A COMPLETE application and can not be discriminated of their age '', XXXX/XXXX/16 I filed my application I do n't think they even look at my application until XXXX and AmeriSave wasted 3 months and {$490.00} and emailing me that my application is incomplete, please login to my file at AmeriSave, user ID is XXXX and password is XXXX I need my {$490.00} back because no lender accept the appraisal I was submitted and if the interest rate is higher 3.625 % they must pay the discount point and processor need to be audit it the review is very bad too. 
Thanks
Discover Student Loans, the current servicer of my private student loan recently sent me a letter indicating that during a " recent review, '' they discovered that unpaid interest from a previous deferment period was not added to my principal loan balance. Because of this, my minimum monthly payment was lower than what it should have been. To resolve this, they added the unpaid interest to my principal balance ; however, the exact amount added is not disclosed in the letter. Along with this, they have indicated that my monthly payment will also increase, in which that amount is also not disclosed. They have indicated that the adjustments will be reflected on my monthly statement within the next 60 days, but no explanation on the amount added back in and how they arrived at the dollar figure. The letter also indicated that a credit of {$210.00} has been applied to the interest balance of the loan, which is not known how they arrived at that exact figure either. The letter sent is extremely vague and does not discuss how they arrived at the decision or calculation used to add back in the amount to the principal balance or what the new monthly payment would be. The letter also states that this was done to ensure the loan is paid in full at the end of its repayment period. Additionally, the letter states that any adjustments made will not increase the total cost of the loan ; however, my balance increased along with my monthly payment. Upon logging in to my account, it was discovered that Discover Student Loans added back in over {$2500.00} to my principal balance. To find an answer to my questions, I contacted Discover Student Loans where I was unable to obtain any answers, but they did mention that my payment has increased by approximately {$20.00} per month. Out of the XXXX representatives I have spoken to in the last two days, I have not been given an answer as to how they arrived at the calculation used to determine the exact amount added back to my principal balance and they have failed to follow up with me regarding my concerns. I have now been in repayment for close to five years, with 100 % on-time payments. I feel that I am being mislead and I am having to pay for a mistake that I did not make. As you will see in the recent statement attached, I have paid {$20000.00} through XXXX XX/XX/2015 and of that amount, {$20000.00} has gone to interest alone. It also indicates {$0.00} in late fees to date. 

School : XXXX XXXX ; XXXX, OH
I called XXXX XXXX for XXXX XXXX in regards to a past due amount showing on my statement. this is incorrect I have all my payments made on time. so I have disputed this issue 4 times with the company and they said everything will be resolved and still showing on my statement. so today XXXX-XXXX-18 I call spoke with XXXX XXXX supervisor and still stating I owe double the amount for I have paid before due date and it will not reflect on my statement as payment made for the current month. It only reflects as an additional payment, that is what I was disputing that customer service had stated this would be fixed since It was the first time this happened and not aware that if I make my payments before due date they will not sure for the current month. so I said I did not owe what the balance says past due. I am current with my payments and they still did not resolve my issue, I even have a letter about the situation stating they resolved it. so I suggest for other customers to know about the issue so that it won't happen to them.
I have been trying to dispute this account on my credit report for months and have not heard back. I have sent numberous dispute letters to the credit bureaus and to Santander. They are failing to delete this account from my credit report because it is actually reporting twice on my credit report which is a violation of the FCRA. I have contacted an FCRA attorney who said I can sue for this but wanted to see if you could remove it to save us XXXX the trouble.