WillisBack/dataset-financial-user-claim huggingface dataset:
The lender did not send me any information to explore loss mitigation options. I am requesting a postponement of the auction of 60 days so I can sell my home.
Over the month of XXXX 2016 I made several online payments to my Amazon Chase credit card only to find none of these payments were credited to my account. Today XXXX, XXXX, 2016 I made XXXX payments of {$160.00} each again getting a confirmation of payment but no secondary message to my email per arrangement. I returned to the Chase credit card payment site and it indicates no payment having been made. I suspect systemic fraud by Chase to continue to assess interest on outstanding balance even when payment is made.
Credit Services has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I had to declare bankruptcy over five years ago. When I filed I told the attorneys to leave my house out because I was n't behind on mortgage payments. Much later I found out my house was included in the bankruptcy, even though I was n't behind on payments. Someone was awarded XXXX. I called XXXX XXXX XXXX, Green Tree and, ditech, they all denied receiving the money. The firm handling my bankruptcy would n't help me unless I paid them more money. When the bankruptcy was up I was one month ahead on payments, ditech sent my loan to collection. I refinanced my loan through XXXX. ditech sent them a payoff amount, it was payed, two months later I received a bill from ditech stating I still owed them over XXXX. Ditech mortgage is robbing people. I want to know where the XXXX awarded in the bankruptcy ended up and, how to get it back. My heart goes out to ditech customers. REFINANCE before it happens to you!!
I have a credit card account with Bank of America and paid the balance in full according to their website {$2900.00} on the due date of XX/XX/18. I wanted to pay the balance in full and close the card. I went to check today to ensure it was a XXXX balance before I called to close the card and it's now showing I have to pay an interest charge of {$49.00}. Of course there is no way to contact their credit card customer service online you can only call their XXXX number. I called waited on the line for 15 min to speak with someone who then told me that this interest charge was interest from the date the statement cut until I made the payment. However, I disagree and thing this is misleading as when I made my payment on their website I paid the balance in full as they had shown. Also it even states on the website under my interest charge the following 'If your credit card is used for retail purchases only, has a grace period and is paid in full each month by the payment due date, then you will avoid paying interest on those purchases. If you pay less than the full balance, pay after the payment due date, or if your credit card does not have a grace period, then you will pay interest on those purchases. ' I paid the balance in full! If that's not the case then this is completely misleading. I made the {$49.00} payment just to ensure I won't keep getting charges. I ultimately want a refund for this payment and to close the account. The customer service rep stated there was nothing that can be done which is why I'm filing a complaint. Their website is misleading and I paid the balance in full as shown so as such should not have been charged additional interest.
Financial Corporation of America has been calling my hospital trying to contact myself and I am an XXXX. My understanding is they are not allowed to try to contact you based on XXXX if they know your employer prohibits the consumer from receiving such communication. I am unable to leave patient rooms to speak with them when they call to tell them to stop calling.
Bait & Switch predatory lending from Wells Fargo mortgage consultant XXXX XXXX XXXX XXXX # XXXX XXXX. 

He promised me a {$1000.00} credit at closing, {$500.00} from Wells Fargo and {$500.00} through Union Plus. He did n't say I had to do anything, apply for anything, qualify for anything. 

Turns out the XXXX was only for first time home buyers, which I am not, which he knows I 'm not from my first conversation with him, because he requested I write a letter explaining my 2009 short sale. 

Wells Fargo still owes me {$500.00} of the {$1000.00} that was promised to me upon closing. 

I 've patiently waited and called and written letters for 7 months. I want complain through official channels now.
A lawyer representing the collection company contacted me via USPS in XXXX/XXXX/15. I contacted them via USPS XXXX/XXXX/2015 asking to validate the debt. Their response was intentionally sent to an old address even though they have my correct address on file ; they sent communication to me previously to my correct address. This is a stall tactic which I believe they utilize to prevent payment, arrangements, or settlement.
I have three hard inquires one is from XXXX XXXX Inquiry from XX/XX/XXXX, I never heard of them before. As well as I never applied for anything in XX/XX/XXXX. That's false identity and consent. Secondly, I have two hard inquiries from Capital One Bank Usa Inquiry from XX/XX/XXXX and XX/XX/XXXX. On XXXX XXXX they had advertised credit card base off your credit score. Around that time, they had offer Capital One and it stated free credit check, no hard inquire for applying. I had applied not knowing it would affect me later on, until I saw it on my credit report. I have tried to dispute this case but no action has been taking place.
This school is complete fraudulent I attended the school without a high school diploma and they offer me job re placement I was unable to do anything with the degree offered because no one honors the school. When I started school I asked them if I would be able to use my credit to go to another institution to further my education no school accepted the credit from this school and yes I now have my GED so that was n't the problem moving forward.i wrote them I disputed because im willing to   take legal actions to get my money back so I could receive a loan to go to another school
I lived in a rental apartment, and a previous tenant ( who I 've never met ) apparently owes a creditor money. I recently purchased a house and moved to another county. The creditor 's attorney 's listed my new home as the address of the guy who owes them money. I have returned multiple letters, and recently a process server showed up on my door. I told him that person does not live here and I have never known him. I contacted the creditor 's attorney and demanded that they cease this contact ( since they clearly have the wrong address ), and to remove my address in the case file with the court. I received an email from the attorney stating that they would remove my address from the case. Apparently they did not, because I am still receiving mail on this case, and now there is a motion filed with the courts ( by the creditor 's attorney ) to change the jurisdiction of the case up here to where I live. 

I am being harassed and incriminated at my new house all because some guy who owes them money rented an apartment that I later moved into once he left.
I sent payment by money gram to Carrington Mortgage services in the amount of {$1000.00} on XX/XX/XXXX. I also had a check sent from a church in the amount of {$250.00} around the same time. The company told me they never received it and asked me to send them copies of my receipt and reference number showing proof because if I sent before XX/XX/XXXX, I would not be in foreclosure status. I sent the required information and thought it was resolved. They then told me the payment was held and then returned and no-one knew what was going on. Since they told me not to make any payments and I am in foreclosure. this company needs to be investigated and prosecuted. I feel they are forcing me into foreclosure.
I have had a home mortgage since 1997. I have always paid extra into the escrow to insure the insurance and taxes are paid. I am in good standing. XXXX sold my morgage to NationStar. XXXX said the terms will be the same. NationStar is now charging me fees of {$75.00} to pay taxes and insurance from my escrow account
I had a Credit Card with Bank of America. The account was in good standing, paid in full and on time. I closed the account in XXXX of 2015. This is not disputed by Bank of America. In XXXX of 2015 ( a full 3 months after the account had been closed ) Bank of America re-opened my account without my authorization and accepted an unauthorized charge of {$9.00}. Bank of America did not send me a statement or mail a notification about what it had done until XXXX XXXX, 2015 when I received a past-due letter. Additionally, Bank of America reported me as delinquent to the credit reporting services which had a negative impact on my credit and my credit score. Never did I authorize Bank of America to re-open my account after closing it in XXXX of 2015 and never did I authorize a charge of {$9.00} on my closed account.
My account at Santander Consumer USA became seriously delinquent after I lost my job. After receiving an employment settlement, I contacted the company to pay it off. We agreed on a settlement amount of XXXX on XX/XX/2018. They updated the credit bureaus that the account was closed/ charged off as bad debt that very same day. When I got the credit alert, I called the company back on XX/XX/2018 and said that I did not want the settlement and I wanted to catch up the payments and pay off the loan as agreed. An employee from Santander helped me to take the payment to pay up all the past due payments to have the account become 'current ' in their system. 

The account was re-opened and I have complete online access to my records. I've made two more payments since for XXXX and XXXX. The system is showing my next payment due as XX/XX/2018. Same account - same payment amounts, same payment history. Their system is showing I have caught up all the payments and have a total of 53 payments made with a loan maturity date of XX/XX/2018. However, they refuse to remove the charge-off status. I've had my complaint about this escalated as far as I could to resolve this issue. I have also disputed the status in XXXX, XXXX, and XXXX. 

I just got off the phone with XXXX XXXX from XXXX ( XXXX XXXX ) She told me they are reporting the account as open but she would not give me any documentation to say that. She advised me to get with each of the credit bureaus and dispute the status because they are reporting the account as open. However, there seems to be something very, very, wrong here and I think they are committing tax fraud or cooking their books. How can an account be open and current with all the payments caught up and the account shows in good status AND also be something they are charging off their taxes at the same time? They will not remove the charge off. They are saying my account can be open and current AND still be a charge off. Im going to pursue and make a complaint with Consumer Protection Agency and I dont know who else I would need to contact, because the account should be listed as previously charged off and now current or something like that. My original loan is open and in good standing with them. Im sure they are violating the law at this point.
XX/XX/XXXX My Bank of America account was compromised.

XX/XX/XXXX I realized my account was compromised. I called Bank of America to advise that a charge had been made on my Business checking account by XXXX on XX/XX/XXXX that I did not authorize.

*XX/XX/XXXX I spoke to XXXX XXXX the first time I called and he told me to go online and print a form called the Unauthorized ACH Corporate Return Form *I filled out the form per his request and faxed it to the following number XXXX * I asked XXXX what would happen if my account goes negative as a result of this money being taken out of my account considering I knew I had other monthy recurring charges I expected to be withdrawn from my account. He said I would have to call back if BOA did indeed charge me fees for insufficient funds. XXXX said to call back on XX/XX/XXXX to find out if the dispute form had been received by BOA. He also said to call XXXX, which I had already done. XXXX switched me around to 3 different departments and the 3rd rep hung up me when I asked to speak to the manager.

*Sure enough I did start receiving multiple fees for insufficient funds and now I can't pay my car note because this was not dealt with timely by BOA *XX/XX/XXXX I called boa and spoke to XXXX XXXX . I called to find out if they had received the Unauthorized ACH form that I sent on XX/XX/XXXX. She put me on hold for a while and then she said " He told me you have the wrong account number on the form ''. So I went an got the form and read the numbers to her. She said " Yes, that's definitely your account number, hold on and let me ask him about this again. '' I hold on. She comes back and says " He said resend the form ''. I told them I couldn't resend the form today because I had a XXXX XXXX so I wouldn't be going to the office on XX/XX/XXXX *XX/XX/XXXX TODAY I went to the nearest Bank of branch to speak with someone but they told me that there was a 40 minute wait and I could come back the next day, which is tomorrow. Meanwhile, my account continues to sent in the negative, and I can't pay my bills from this account because someone stole my money and BOA is not helping me.
CRS Debt collection of XXXX Texas keeps calling myself, my job and my family members up to 5 times a day. They claim I owe money from some kind of loan from 2009. They tell me someone is coming to arrest me, and use abusive language. I have no idea what the loan is for, and they keep calling my place of unemployment and family members over and over. The person today told me to be quiet and listen to him that I am going to get arrested.
In XX/XX/XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XX/XX/XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX, XXXX, and XXXX, XXXX, ME advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XX/XX/XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX, XXXX, and XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?
Wells Fargo is acting in an extremely negligent and predatory way with regards to over-drafting on an already NEGATIVE balance. My mother - the account holder -, who is XXXX XXXX and on SSI, has made multiple cash withdrawals on a negative checking balance and Wells Fargo is making no effort to stop the withdrawals. Instead, they are approving multiple cash withdrawals on a negative balance while charging overdraft fees. On their website, Wells Fargo states that they do not approve ATM overdraft transactions, yet they are letting it happen over and over. They claim that she has a " Debit Card Overdraft Service '' on her account and that they have no choice but to allow the transactions since she has opted in ( even after she stated to a representative that she has no recollection of signing up for the " service '' in the first place ). This behavior is negligent, irresponsible, and predatory and they have refused to take responsibility or use any discretion to decline multiple ATM withdrawals on a negative balance. Additionally, they are even aware that my mother - the account holder - plans to make additional withdrawals on a negative balance ( she told a representative this on the phone ) and they will do nothing to prevent this in favor or collecting further overdraft fees. I have spoken to multiple people on the phone from Wells Fargo and they refuse to act other than to say that the account holder has to specifically ask for the Debit Card Overdraft Service to be removed but they will make no effort to prevent further withdrawals on an already overdrafted account.

Wells Fargo states, regarding the Debit Card Overdraft Service, " You can choose whether your ATM and everyday ( one time ) debit card transactions may be approved, at the Bank 's discretion, if you dont have enough money in your  checking account or in accounts linked for Overdraft Protection at the time of the transaction '' and " The payment of transactions into overdraft is discretionary, and we reserve the right not to pay. '' They are choosing to use NO DISCRETION and instead allow multiple cash withdrawals to be made on a negative cash balance while STILL CHARGING overdraft fees.
I have been called repeatedly for at least 6 months by a caller ID identifying itself as XXXX, NJ and a phone number. I never picked up as know no one in XXXX. Today they called and left a message : '' Hello we have a message from ERC. This is a call from a debt collector. Please call XXXX and provide the following reference number XXXX. Thank you. '' I think this is a scam as I have no bad debt. I just got my XXXX free credit reports that I am allowed per year and none say anything about any collections due. 

I am worried that they may damage my credit so I want you to get them to realize they are wrong and to leave me alone. 

Thank you for any help. 

I will also put a free fraud alert with one of the credit reporting companies so that they will share that to the other XXXX. 

Cheers, XXXX XXXX PS I am also on the Federal Do Not Call List so they are in violation for that too.
We started the process for a short sale on the property on XX/XX/XXXX. the servicer ( Caliber home Loans ) ordered an interior value of the property, the interior valuation was completed on XX/XX/XXXX. The interior value came back with a value of {$210000.00} for " AS IS '' price. The investor ( XXXX XXXX ) and the servicer decided to increase the market value to {$280000.00}. We submitted a value dispute based on the interior condition of the property, the major non-cosmetic damages and comparables in the area. We provided enough evidence for the investor to reconsider their market value with accurate and current data as per their guidelines and the investor is denying our request and would not reconsidered the over priced value. this is an unfair practice in the market now days and we believe the Federal Government and authorities should be make aware of these type of situations since this is a total malpractice and are preventing home owners in a default situation a fair shot to start their lives from scratch.
Due to the fact that my choice above on why this is a false statement case if not above for me to choose. I have to explain my case here below. and I am just picking one so I can file this case.I file a case with the CFPB in XX/XX/2016 case number ( XXXX ) on Account Resolution Services. They replied back that they are registered and bonded by the State of Texas to collect debt. That is a false statement that they reported on my credit report. I have the proof that they are not in legal standing with the State of Texas they should be removed from my credit report. On the grounds of Services because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State.
Chase bank denied me credit on an application for a XXXX credit card with the reference number XXXX after citing my " bankruptcy '' from 2012 as the issue for denial. Yet, on the application they specifically asked whether or not the applicants has any bankruptcies on their credit file and I checked the box for YES and yet they still placed an inquiry on my credit report and proceeded to deny me for having a bankruptcy. I believe that this is extremely deceptive and hurtful to my FICO score. They were deceptive in their application process and misled me to believe that I would qualify for a credit card with a bankruptcy reported on my account as long as the FICO score, annual income and credit history was acceptable. My FICO score is XXXX which is exceptionally and my annual income is {$80000.00} which is more than suffcient to have this card. The reason for denying me credit was extremely malicious and had I known that they would deny me on the grounds of a bankruptcy, which they already knew I had, I would never have applied. When i called CHASE to complain about this deceptive behavior on their part they then proceeded to tell me that in fact i was denied due to inquiries on my report. That is also not true, I have only XXXX inquiries, XXXX of which was placed by them unnecessary. Knowing i have a bankruptcy, which is old, Chase should NEVER have placed an inquiry on my report since that was the REASOn they gave me for rejecting my application. As a result of their unnecesary inquiry my FICO scores have dropped XXXX points!
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX