WillisBack/dataset-financial-user-claim huggingface dataset:
My Problem is with JP Morgan Chase, It started in XX/XX/XXXX when my grandmother passed away I notified the bank because i was informed in XX/XX/XXXX i was listed as payable on death beneficiary had to provide my names/address and SSN. the branch was aware that i did not reside in same state as my grandmother when i notified them by phone in XX/XX/XXXX i was handled poorly by branch rep who assisted for p.o.d account because of family conflict i was advised to go to court to straighten things out but p.o.d account does not need anything from court so assuming i was giving the correct info i ordered death certificate and contacted probate and was giving a long list of things i must have before i could start probate process which didn't go smooth or as quick as planned i finally got everything and filed small affidavit only to learn her account was closed out i never claimed p.o.d funds ( even mailed me letter clearly showing the amount and my name as beneficiary ) and chase says it's too late for them to pay me or assist because deadline to claim has passed then her safety deposit box was removed and sent to other location and i am now told it was empty hard to believe she was paying for a empty box for years but i have no way to verify contents and branch manager rudely let me know they don't have to provide any further information this whole company has handled me, my grandmother 's account, property poorly i am disgusted and hurt and in need of someone to hear my story and assist or point me in the direction of real assistance no a oh well you missed the time good bye
I am writing to dispute Santander Auto Loan. This account was never late. On XX/XX/2015, I sent a cashier 's check to the lien holder. In the memo line showed this was 12 months of car payments. The lien holder is now noting my account as being late. Which it has never been late. I have attempted for Santander to delete this account as it has never been late, but yet they refuse.
My wallet was dumped on XXXX XXXX, Florida, and my debit card, credit cards, and ID were stolen. Fraudulent charges showed up on my debit card, which I disputed with my bank, Navy Federal Credit Union. XXXX credited my account but then denied my fraud claim and refuse to explain why. They also took the money out if my account and charge my account fees for negative balance. I am not responsible for fraud, especially since I reported it immediately after it happened. They refused to do anything with my account, my debit card, or fraudulent charges until the charges went through.
I am disputing all the credit-card charges ( approximately {$15000.00} plus ) of my former husbands on a defunct USAA credit-card account that USAA has used to lower my credit score from 820-840s to the low 600s. This USAA account was opened XX/XX/XXXX by my ex-spouse. We were married on XX/XX/XXXX. The separation agreement was court authorized onXX/XX/XXXX. Living in the state of Arizona, after that official date of separation, Arizona law states that all credit-card purchases are the sole responsibility of the person who made the purchase/transaction. In addition, as a part of that separation document, all open joint and individual credit-card accounts were listed, copied from a credit report. My ex-spouse signed that acknowledgement of the accounts. There is no USAA card listed. We divorced with my former husband residing in the XXXX area and I in XXXX.
Some time after the XX/XX/XXXX divorce my ex-husband somehow had the account reactivated. I had no knowledge of the account 's existence or of any of the charges.
My ex-husband suddenly XXXX XXXX on XX/XX/XXXX.
USAA was notified by the Personal Representative of my ex-spouses XXXX. At that time it appears that USAA transferred all the charges to my name ( only ) and began to call me demanding payment. I explained the situation but the calls persisted. I tried to educate each caller, many acted as if they did not have any information except the total amount due. One stated that the debt was subject to national laws not the state laws ( untrue ). The USAA agents would not even provide me with the account number! During these calls I requested copies of historical records that were ignored by USAA. They also began calling my daughter. She stopped taking any calls from unfamiliar numbers.
The estate 's Personal Representative subsequently called USAA and provided the address of the probate attorney for USAA to forward the information regarding the debt. USAA did not send notice to the estate, and continued to call me. I sent a cease and desist letter to USAA on XX/XX/XXXX and the telephone calls stopped but the " non-payment '' and " in arrears '' notices on my credit reports caused two other credit-card companies ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) to cancel cards. I sent a letter to XXXX on XX/XX/XXXX explaining the situation but they replied with a letter stating they defer to USAA 's reports.
USAA subsequently sent the amount due to a collection agency, the XXXX XXXX. They began to call. When I explained the situation they put the account on hold, and sent me copies of recent USAA statements with my name on them ( that I had never seen, they had been sent to my ex-husbands address in XXXX ) that only show the amount owed and accumulating non-payment and interest charges, no historical purchase information. After a second letter from XXXX  saying they once again were asking for the funds, I called them on XX/XX/XXXX. XXXX advised since I was disputing the charges they were going to refer the account back to USAA. I subsequently called USAA but they did not have the files back on their computer system.
We have been trying to reach SPS Servicing for a HAMP modification but have not been successful reaching them or getting them to send us the paperwork.
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold, I should not owe the full amount. After the vehicle was repossessed, I did not receive any notices. 

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment. 
2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
I 'm paying Equifax for XXXX monitoring. They alerted me XXXX XXXX XXXX pulled my credit. Equifax gives the same response every time I call to dispute an inquiry. They tell me I have to contact the company who pulled the report. I spoke to XXXX XXXX XXXX because they pulled my credit report in XX/XX/XXXX and in XX/XX/XXXX for a company out of XXXX, FL called XXXX XXXX XXXX. I filed a complaint against XXXX XXXX XXXX and they contacted XXXX XXXX XXXX. XXXX XXXX XXXX told me they do n't pull credit reports for bankruptcies. XXXX XXXX XXXX is set up with them to pull credit reports, but not for the purpose of a bankruptcy. XXXX XXXX XXXX said they would contact the credit bureaus to have this corrected. Now I 'm showing another hard pull from XXXX XXXX XXXX from XX/XX/XXXX. It is obvious this is a clerical or data entry error because it matches the date the pull was done on XX/XX/XXXX. Equifax will not help me. XXXX XXXX XXXX is telling me I have to contact XXXX XXXX XXXX and my relationship with them is severed. XXXX XXXX from XXXX XXXX XXXX in XXXX, FL told XXXX XXXX XXXX I tried to refinance my mortgage and it was not an option for me so I had to file bankruptcy. I have never had a mortgage and this was their way of keeping their relationship with XXXX XXXX XXXX in good standing. This was fraud and is unethical. I signed a retainer in XX/XX/XXXX for my attorney XXXX XXXX XXXX who 's office is in the same space as XXXX XXXX XXXX. My bankruptcy was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Equifax really needs to remove this inquiry. It lowered my score by XXXX points. XXXX XXXX said they do not have a record of pulling the report on XX/XX/XXXX, but XXXX XXXX XXXX is the company which has to get it removed. How can I get them to remove it when they may have put it on there in retaliation of me filing the complaint with the XXXX of Pennsylvania. I have sent a complaint against XXXX XXXX XXXX with the Florida Attorney General. I will be filing a complaint against them with the XXXX of South Florida and I 'm filing a complaint with the Florida Bar Association against my attorney. She had no reason to delay the filing of my bankruptcy for an entire year. 


Alerts XXXX XXXX XXXX XXXX monthCurrent XX/XX/XXXXEquifax - InquiryArchive this alert |Hide alert detailsAn inquiry was made by XXXX XXXX XXXX XXXX for your credit file.
I was notifi ed by care credit that my min. payment owed was {$200.00}! I understand that i did not pay off the {$1 000.00} dollars in a year, But i never missed a min. Payment in that year.Why in the world is my Min. now {$200.00}? I did not know this would happen, no one called me at the beginning to inform me of these changes.I am now paying {$35.00} a month, That is all i can afford! I received a very nasty phone call from one of their rep 's, telling me in no certain terms that we need to go ahead an take care of this NOW! I do not want any trouble, I always try to come to some kind of agreement. I really do n't appreciate the tone i was talked to in, I found it to be very rude! Is there any way i can get some kind of help dealing with this situation?
I received a response that doesnt answer my complaint. They are telling the truth I was promised the repayment will not affect my credit score, they lied. I want them to jorobe their word. All the agreements were verbally made and they refused to listen to the conversations. They just dont care. If I knew the repayment will affect my credit I would have chosen a very different route their unethical behavior is affecting many people they dont stand behind their employees, the fact they are not properly trained is not the consiners fault. I just want sereterus to stand by their word, they are legally committed to what they said.
I purchased an item from XXXX using the flex pay method and set up the auto pay using my banking information. They extracted the amount and then returned it saying that my bank cancelled the payment which is untrue. I then received a notice from one of the credit report websites stating that my score had been reduced, I had been subjected to a previous incident under the same circumstances and was able to get the matter resolved when I contacted XXXX XXXX XXXX, they said I needed to write in which I disagree with because the error ( if there was one ) is their fault and I should not have to go through this process because of their fraudulent practice. The interested suddenly increased to 28.90 % which again I should have not be subjected to. I thought that XXXX was a reputable company until this incident took place. I am therefore requesting your intervention in this matter and that my credit score be restored to its ' previous value. I also want CFPB to know that I paid the full amount before contacting your agency and asked that my account be closed because I do wish to be in business with companies that do this bait and switch method of business. Thank you and I look forward to hearing from you in the future regarding this matter.
After sending information to verify myself with my disputes ( XX/XX/2018 ),  Equifax, XXXX, & XXXX  have not investigated or responded to disputes of my credit report.
I was contacted by the debt collection company and informed that I was liable for an outstanding debt that after the accumulation of interest amounted to over {$5000.00}. I was informed that it stemmed from an outstanding unpaid bill with XXXX XXXX/XXXX from 2008. While I made purchases from XXXX in the past, I have no record or recollection of any such outstanding bill nor have any such bills been reported to any of the three credit reporting bureaus. I am of the opinion that this is a fraudulent debt collection attempt. 
The company identified itself as ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX
On XX/XX/2017 my mortgage with Wells Fargo, went from {$2200.00} to {$3500.00}. After this payment had adjusted Wells Fargo refused to give me a loan modification, I was still making my monthly payment, but falling further and further behind. Wells Fargo refuse to give me a loan modification. So i was able to work overtime to make the {$3500.00} payment, but i had fallen six months behind.With over {$450000.00} worth of equity, and a very strong job with income it was very obvious that Wells Fargo didn't want to give a loan modification or reconstruct the loan .... very very obvious crooked XXXX bank ... ..
RE : Violation of the federal government 's Expedited Funds Availability Act.

**This complaint is about Simple Bank incorrectly treating federally backed money orders and personal checks equally, instead of treating federal backed money orders as a cash deposit like other merchants and banks currently do** ***************************************************************************************************** 1 ) QUESTION : Please state exactly what date XXXX Bank received the {$290.00} in funds from the US government from a federal cash money order deposited ( not a personal check but a federal money order which should be treated the same as cash ) on XXXX XXXX, XXXX. None ( {$0.00} ) of the funds were available until 16 days later XXXX XXXX XXXX, XXXX ). Again, what date exactly did XXXX Bank receive the {$290.00} in funds from the deposited federal cash money order? 
***************************************************************************************************** 2 ) QUESTION : Then state clearly how many days passed after Simple Bank received the funds from the federal government before the hold was released. 
***************************************************************************************************** *Note : The Funds Availability Disclosure of the XXXX XXXX Simple Deposit Account Agreement does not include federally backed money orders which are treated the same as cash by merchants and banks. 

*Note : Simple Bank does not allow for deposits though their ATM network and does not have any physical branches, so XXXX Bank XXXX make allowances for Federal Backed money orders to be treated differently ( same as cash ) than a personal check. 

XXXX THANK YOU FOR ANSWERING THE 2 QUESTIONS WITH THE DATES/DAYS AS REQUESTED *****************************************************************************************************
We obtained an interest-only mortgage from XXXX XXXX Mortgage in XXXX ( which filed for bankruptcy in XXXX and is no longer in business ). The loan was transferred to CitiMortgage shortly thereafter and they still own/service it today. The loan is due to fully amortize in XXXX of XXXX. I am concerned that we will not be able to afford the payment at that time. I have made numerous attempts to refinance the loan or discuss potential options/solutions with Citimortgage over the last couple years. Since our home is underwater and it is a jumbo loan, I am told there are no options without significantly paying down the balance on the loan which we are unable to do. I have also been told that we do not qualify for a modification because we currently have the income to make our payments. I am trying to be pro-active in dealing with this before my family and I are in a crisis, but they are unwilling to work with us. They offered to modify our loan in XXXX. We accepted their offer because we were told it was the only option to reduce our payments. They left us in the same interest-only product and INCREASED the balance by nearly {$7000.00} which makes our situation even worse. We simply want them to refinance or modify our loan to a fully amortized 30 or 40 year loan at market rates so we can start to pay down the principal and avoid the substantial increase in our payment that is looming. We do not want to be at risk of losing our home. We are not asking for them to take a loss, we simply want them to do what we believe is fair and will help both of us avoid a potential foreclosure situation.
XX/XX/2019 I received a call from Navient at XXXX speaking with XXXX . I advised of already making payment arrangement to which she seemed confused by. I received another phone call at XXXX to which I shouldnt as I have already put in to have the owed amount drafted out. The company has repeatedly called numbers not listed as a form of contact. This is very disturbing and unprofessional.
XXXX I have capital one account on my credit report I send two certified letter about the account both letter came back I asked to send any information about the account no response from them I send the credite buero XXXX remove it but XXXX and XXXX they didnt remove it so please I need this account remove or delete from my report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX
Citibank closed my Citi Prestige card after I paid the annual fee for the membership year. They closed it about 6 months after I paid the fee, and are refusing to refund the portion of the fee covering the remaining 6 months of the membership year. Citibank 's communication with me, which is attached, states they would refund it if I closed the account within 30 days of paying it. It was not my choice to close my account which never had a late or missed payment, so Citibank is participating in unfair and deceptive practices by charging a fee and then closing an account leaving me without access to paid benefits.
XXXX XXXX XXXXXXXX has placed me in XXXX XXXX and or Early Warning XXXX due to ATM Fraud that took place on this account. I called in and spoke with a XXXX XXXX XXXX agent who was to proceed with fraud investigation on this account which would 've been the second time I 've asked for an investigation. I have asked XXXX XXXX XXXX to send the proof and or information on this account and I have yet to receive any documentation or investigation results. This incident was in XXXX.
Nelnet is constantly re aging my account adding on late fees. I opened this account in 1998. I never received notice about my account status being out of forbearance or late at all. I was in the miitary for 10years and worked with XXXX. I was told that I could not get a forbearance. I am on public assistance I cant get a job in my field because of the late payments. Please help me they are not willing to work with me
A resolution was agreed upon by both parties which I have in writing. The XXXX XXXX of XXXX XXXX XXXX, wrote an agreement that all interest would stop unless I default. I have not missed a payment, and have proof. Yet, this company has continued to include interest, and I almost owe more than when we settled in court. I am a widow of one year and this XXXX $ a month has been a hardship, and to now find out all my monies went into their pocket. Thank you. XXXX
World Finance is reporting on my credit as being charged off as well as late payments for 48 months. If an account is charged off then it is considered closed and therefore no late payments should be reported in addition. This account has already been written off and yet the company is still reporting late payments as if the account is still open. While I do understand that some of these late payments are legitimately being reported, any late payments after the account was charged off is fraudulent. An account either needs to be open with late payments being reported or charged off with only late payments prior to charge off date being reported. It can not be reported as both. I have made numerous attempts to resolve this and even offered to pay the account in full if they removed it from my report. They refused.
I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX and XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing or my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with Experian at least 5 times in 2016. I believe the Experian Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid many all these creditors. Also, I believe this credit company has illegally used and shared my financial bank statements ( I used to prove accounts paid. ) and sent information to XXXX Collections to aid them in continuing to report inaccurate information. This data was used against me with out my consent.
My home mortgage has been with JP Morgan Chase since XX/XX/XXXX. In XX/XX/XXXX I started trying to modify my loan. Chase told me I needed to be behind in my payments & were willing to let me miss my XX/XX/XXXX payment. Again in XX/XX/XXXX they told me to skip a payment. They lowered my payment and told me they would tack on the missed payments to the end of my loan. For 6 months I paid the required payment on time or early, then in XX/XX/XXXX I got a 2 week notice that they had sold my mortgage to XXXX. This company claims I missed my XX/XX/XXXX & XX/XX/XXXX payments to them ( I 'd never heard of them in XX/XX/XXXX or XX/XX/XXXX ) and they demanded I pay XXXX, plus my XXXX payment before XX/XX/XXXX or they are going to foreclose. I have made several attempts to contact Chase, mail, e-mail, phone, they act like I never existed, I even tried to refinance with a local company to get away from XXXX as they have over XXXX complaints & several lawsuits against them, but since I now have 2 missed mortgage payments on my credit report I ca n't refinance either!
I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK IN XX/XX/2005 AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX XXXX XXXX/ XXXX XXXX ACC NUMBER XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX/ XXXX XXXX Account Number : XXXX CREDIT INQUIRIES COMPLETE DEPARTMENT STORES, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX