WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a home loan modification for the XXXX time to Chase Bank. I am XXXX military. I currently reside in the home now. I didnt somehow qualifiy for a the loan modification, and I provided all the documentation for the homeloan modification. I can afford the mortage payments but at a reduced rate. Since Chase Bank has decided to dissapprove my loan modification I will file bankruptcy, and in addition I will file a law suit against them as well for damages. I provided documentation in my loan modification stating my hardship. I asked for the audit report from Chase Bank and the orginal loan documents for the property stated at XXXX XXXX XXXX XXXX XXXX, Co XXXX. I have yet to get any paperwork for my house. The Chase bank wont except my checks even though the property is under my control. I have been foreclosed on once as XXXX military and I have had been force out recently by the XXXX and court appointed reciever. Chase bank will not allow me to use the equity in the house to catch up on my current expenses so I can have a lower payment as well. I want the occ bank regulators and the federal government to look into the XXXX program for Chase Bank. I will no longer talk to Chase Bank and at this time I will pursue bankruptcy proceedings and file a law suit against Chase Bank. Until I recieve an audit report from Chase in reguards to the home loan modifcation I dont want to talk to anyone. Lets just get media attention for this and in addition I will file a congressional hearing with the department of justice for violations of the SCRA because I am not suppossed to be forced out of my home for any reason. So since I made a complaint to Chase bank my home loan modification was denied and the bank does not want to provide me the documentation I previously asked so therefore Chase Bank has no proof they own my home. So I am requesting that the federal government and XXXX look into my request in a timely manner.
I paid the " New Balance '' on my card 4 days prior to the due date. I was assessed an interest charge even though the statement indicates that no interest would be charge if the " New Balance '' was paid by the due date. I called to attempt getting the charge reversed and was given an excuse that the New Balance had to be paid in full for 2 consecutive months in order not to incur an interest charge. That is not what is stipulated in the statement. Furthermore, I believe it is an unfair practice as all other cards I have ever had do not charge interest when a balance is paid in full by the due date.
I 'm a victim of identity theft and someone opened up account in my name that im not responds for.
you are not reporting the correct information to the consumer reporting agency i have giving you the correct information, but you fail to make the change.
I recently submitted a request to XXXX as well as XXXX and Equifax to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also XXXX totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. XXXX updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.
Without Notice including but not limited to email ( s ), a AGENT from CAPITAL ONE BANK credit Card Dept. Closed the Capital One " XXXX '' Card.
I am a victim of hurricane Harvey in Texas. I was given a generous insurance settlement from my flood insurance company for the purpose of repairing my home. I promptly sent my insurance checks to Fay servicing company to be placed in an escrow account so that I could gradually start rebuilding my home. Fay Servicing acknowledged receiving the two signed checks. Here is the issue, Fay servicing is refusing to allow me to act as my own general contractor so that I can get my home repaired. I have Loss draft information sent from their company clearly stating that I can as my own general contractor as long  as I follow the guidelines established by them and provide adequate documentation receipts and home Inspections done by them. Fay  servicing is insisting that I hire a licensed general contractor to even purchase kitchen cabinets, a refrigerator, tile. Under no circumstances can I make any purchases or repairs without the umbrella of the licensed contractor that they insist on. 

I have asked them to please give me information in writing stating that I must work under a contractor, they have flatly refused. I asked if I could hire my own AC licensed person, they refused. They even refused to provide the initial monies to do demolition to my home which resulted in mold build up, I have not been allowed to replace my AC. 
All of the items that I listed are clearly supported on my adjustors report s things that I need to have done. They finally agreed to reimburse me for the refrigerator and tile after sending me a threating letter that this will never be allowed again, I have the letter to submit to you. 

I continue to ask that the policies they are trying to inflict are me should be sent to me in writing, they state that I am not privilidged to certain sensitive information. I was also told that the any amount left over after repairs were done would be automatically used to pay my mortgage down. My concerns is this, how can that be legal? 

The only resolution I have been able to get from them is another mortgage person who tells me the same thing that the previous one said. 

I gave them a logical reason for wanting to complete my house slowly without a full team of contractors in here, I am currently receiving XXXX for XXXX and I can not withstand the dust, chaos and stress at this time. I simply wanted to complete one room at a time until finished
I just checked my credit score and there is 2 hard inquirys that Im not familiar with at all. I never applied for XXXX or XXXX. Please Im only XXXX so Im trying to help my score, but these hard inquiries are incorrect.
I received a payday/installment loan from XXXX XXXX ( also known as Bluechip Financial ) around XX/XX/2018 in the amount of {$800.00} ; which was instantly deposited into my checking account. At the time the loan was made- I was unable to fully and completely review The Truth in Lending Disclosures. To this date- I am still unable to access my account and view any of that information. The only information that I am able to view when I log into my account is the next payment due amount and current payoff amount. As of todays date- the current payoff amount is {$980.00}. I have been making bi-weekly payments of {$150.00} ; all of these payments have gone towards the astronomic interest that is being charged and nothing towards the principal. To date I have made the following payments : XX/XX/XXXX18, XX/XX/XXXX18, XX/XX/XXXX18, XX/XX/XXXX18, and XX/XX/XXXX18. I am unable to continue making these payments and have tried to contact the company to discuss other arrangements ; to no avail. The only response I have received from the company is being told that payments will continue to be drafted from my account. This predatory loan is not only unethical but illegal in the state of Georgia. The interest amount being charged is well over 400 %. Chapter 17 of Title 16 of the Georgia Code is commonly referred to as the Payday Lending Act, even though it applies to installment loans as well- this code states any loans of {$3000.00} or less made to Georgia borrowers at interest rates that exceed eight percent ( 8 % ).
I was XXXX in XX/XX/2013. Was seen in XXXX Hosp. ER. The hospital failed to send bills to Workman 's Comp. They had the info when I was seen. Now I have collection agency bothering me. I spoke with collections and explained that these were not my bills. I gave them the name and phone number of the payor. These still sit on my credit report.
I applied for the loan and was approved for XXXX up until it was time for me to sign the e consent form, I refused to sign because the the interest was 777.03 percent and the payoff was XXXX for a XXXX dollar loan this is an outragous company and should be put out of business when people are in need of help they should n't be able to take advantage of the poor I would never accept something like this
I opened a checking account with HSBC, responding to an offer to get a {$350.00} bonus. More information about the bonus can be found here : XXXX XXXX XXXX I apologize that this link is to a third party, but I no longer have access to the promotion on the HSBC website . The terms described on this website matched those that I saw on the HSBC site. As you can see, the bonus required me to make 2 bill payments in each of 3 months in the first 120 days after account opening. 

HSBC dragged their feet about opening the account, but I received a Welcome to HSBC email on XX/XX/XXXX and I promptly established online access to the account. 

I made two bill payments in XX/XX/XXXX, four in XX/XX/XXXX, four in XX/XX/XXXX, and four in XX/XX/XXXX. I tried to space them to ensure that two would be  before the statement close date each month and two would be after. 

The {$350.00} bonus never posted. On two separate occasions, I asked via online chat about the bonus. In each case, I was promised a review and a decision by mail and email. I never received any decision form HSBC. 

The bank has been non-responsive, and I no further interest in banking with them, but I'm afraid to close the account out of fear that it would then be impossible to get the bonus.
Hello, On XXXX XXXX XXXX I sent a message to Coinbase through customer support telling them that I saw unknown Ip adresses trying to log into my account. I made clear that this made me worry, and asked them to, if possible, 'block ' all the other Ip-adresses except mine for my account. That was the only thing I asked for. 

The next day ( XXXX XXXX XXXX ), I already got a response. They said that my account has been locked now, until I am sure that my account is secure. They asked me to answer 4 questions so they can savely unlock my account. I think I did this the very same day or the day after. 

But until now ( XXXX XXXX XXXX ), I still did not receive any help or response for this case. I sent them multiple messages since then, I also called the customer phone number 4-5 for more than 1 hour  waiting without any response also. 

I feel very frustrated because of this, there is a lot of money on my account which I can not access now. This really should not be happening. 

Thank you so much for understanding.
I receive XXXX to XXXX phone calls from this company daily. My phone number is a business phone number. This is not my debt.
I purchased a card on XXXX/XXXX/15 at XXXX 's XXXX in XXXX, XXXX . I was charged a {$4.00} fee for the card. I called to activate the card shortly after the purchase. I was charged an additional {$4.00} monthly service fee for the card. I was confused as to why I was being assessed {$9.00} for a card that I have not charged anything to for my benefit. This is an egregious charge that has been assessed to me. I requested a refund of my money which will take 10 business days. As a consumer, I do not understand how they can justify 2 charges for the same service.
Lienholder wo n't release vehicle title. 
Lienholder : Toyota Financial Phone : XXXX Acct # XXXX XX/XX/XXXX Vehicle discharged with bankruptcy chapter XXXX ( case # XXXX ) XX/XX/XXXX Toyota Financial states title was sent to attorney. ( It was mailed to his old address. Lawyer states all of my creditors were notified of the chanprge XX/XX/XXXX. 
XX/XX/XXXX : Representative XXXX promises to mail me a lien release document to complete and present to the XXXX to get a duplicate title. 
XX/XX/XXXX : Form not received. According to XXXX the form request was denied by XXXX, who states the attorney must give verbal authorization. I 'm told by XXXX that XXXX does not have a direct line for my attorney to. XXXX had no comment when I asked why authorization was needed now when it was n't initially? But she did tell me he could fax them his authorization to XXXX ( XXXX ) Attorney : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX
This person by the name of Rubin and Yates has contacted me several times on my cell phone and now somehow they got ahold of my place of employment they have also sent me emails with fake drawn up court papers stating that I 'll be taken to court. The number they just called me on at work is at XXXX and when I picked up all he asked was is this XXXX XXXX and then I said my I ask who 's calling and he would n't identify himself and then I disconnected the call. They leave me threatning voicmails stating legal obligation and I 'm being named as a defendant and is going to to have a sheriff dispatched to my home/and or employment and that I have to appear in court. Said me or my attorney needs to call them at this number and that I have been legally warned ... XXXX. They also mask thier phone number by using a local number as well. I usually do n't answer it because I 'm sick and tired of the threatning calls and when you ask these people for documentation they start yelling and screaming at you and then hang up the phone. I believe these people are fraud. I would like this to stop immediately..
I applied online at Rocket Mortgage by Quicken for a loan pre-approval. I had to give all of my and my wife 's financial information, social security number ect ... Then I was told I was preapproved up to {$390000.00}, which is the amount of the house we were looking at. I asked for a loan estimate prior to giving them any further information and was told that I would not get that until I supplied them with the actual property we wanted to purchase. Since the house we were looking at went into a pending status, we will have to continue our search, but I still need to have an estimate of the amount they are going to charge me for closing cost. Their agent refused to give me a loan estimate. He said it is required for them to have the property address that we are buying. I do not believe this is true because thousands of people do a pre-approval before even beginning to search for a home. I explained to him that the home had gone under contract with someone else and that we were back to the drawing board. We do not plan to spend more than 400K for a home and I asked him to use that figure for the loan estimate form. He again refused. 

This is his email : ( As was stated prior, a full address is needed to obtain a Loan Estimate. Without the full address, a loan estimate can not be issued. Current numbers sent in email, are the closest estimates for the programs you requested & those numbers will change daily until you get an actual home & LOCK in the rate itself. Will be happy to issue you a Loan Estimate once you have a property w/full address. Thanks XXXX Enjoy the day!!! 

Appreciate you XXXX XXXX XXXX | Senior Purchase Banker Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX It is my understanding that if I apply for a loan, which I did, they have 3 days to supply the loan estimate. They pulled a credit report, so the application was done.
I have a debt collection item on my  XXXX  credit reports for an unpaid utility bill that I never opened.  XXXX   XXXX   XXXX , a  utility  company in   XXXX   XXXX    seems to believe that I opened an account in  XXXX . I enlisted in the  XXXX  in  XXXX , and have not lived in   XXXX   XXXX   since then. I am currently stationed in  XXXX , and wad previously in  XXXX . I 've also resided in military housing ( ie. barracks ) since  XXXX , where I have no rent or utilities. Furthermore, I was  XXXX  in  XXXX . In short, I had absolutely  zero  reason to open a utility account with  XXXX  or anyone else. It was not me who opened this account. If someone used my information, they did not have my permission. I have filed disputes with the  XXXX  credit bureaus. Thus far,   XXXX   is the only one to have competed their " investigation ''. They have decided to keep this fraudulent negative information on my credit report. How can I get the collection agency and the utility company to remove this false report from my credit???
I am writing to dispute the status of an account being reported by Experian that states I have a recent Delinquent/Charge Off account in the amount of {$130.00} first reported XXXX of XXXX. This is inaccurate and is tremendously damaging my credit profile as I am in the process of starting a new business and leveraging my personal credit to secure business funding. 

Actions Taken : I have contacted XXXX XXXX via phone, in-office meetings, and have spoken with multiple staff members from management all the way back to the collections department multiple times in hopes to get this matter resolved on my own. I have also provided them with a copy of my dispute letter with the credit bureaus. This inaccurate reporting has cost me months of frustration and countless monthly credit report monitoring fees as I continuously check everyday to see if it gets resolved. My credit profile & credit score has suffered tremendously throughout this long process. 

Additional Actions Taken : I have also contacted Experian Credit Bureau directly and they have not resolved this issue either. They actually claim that this inaccurate information was verified by The XXXX XXXX. Experian has not provided me with any documents that support their conclusion. They have appeared to change or re-age the " first date '' this account was originally reported in XXXX to a new " first date reported '' now stating XX/XX/XXXX. 

The XXXX XXXX verbally informed me that they have not reported any new delinquent account information to the Credit Bureaus dating XXXX of XXXX and they advised me that my only option is to dispute with the credit bureaus directly in order to get this matter resolved. They also expressed to me that there is no other documentation that they can provide me with in regards to helping me resolve this matter with the credit bureaus myself. Ive been a long standing member with XXXX XXXX and theyve seen my repeated efforts to try and resolve this matter without getting any 3rd party involved. They have not provided me with any additional documentation that supports my efforts to get this inaccurate information removed.
Unauthorized credit Inquiries listed on XXXX credit report. 
No one hady permission to pull credit Inquiries. 
Multiple times credit inquires on XXXX Please remove them XXXX  refuses to remove them.
To whom it may concern, My wife and I owned a condo that was foreclosed on. The deed was taken over in XXXX of XXXX. The property/deed sold to a new party on XXXX XXXX, XXXX. At that point we should have no ties to the property/asset. Experian reports property was foreclosed XXXX XXXX. 
The latest information on our credit report shows that the credit union that we had the mortgage under has been reporting a " failed to pay '' from XXXX XXXX up to the present date. Our understanding through loan officers is that the said credit union should have discontinued any reporting after the foreclosure date occurred. 
Our correspondence from the credit unions Senior Recovery Specialist was as follows : Based on this investigation, ( Credit Union ) response is that the information you have disputed is both true and correct according to all available documentation. As such, no corrections will be submitted to the credit reporting agencies and any electronic disputes would be resolved as 'Correct as reported. '' Can this issue be resolved through the credit union or does it have to be resolved through each credit reporting agency? 
I 'm not sure if this affects the credit reporting. However, I did find out that our condo was recorded in the XXXX XXXX Department of Assessments with an OLD address. I was able to have them change their records to match up the parcel number with the newer updated address. The parcel number now matches the address listed at the credit union. 
We appreciate your assistance.
Equifax refused to remove collection item from my credit report after providing them with all the necessary documents that show I am not liable for the collection item. 

BACKGROUND : XXXX XXXX, XXXX posted a collection item on my credit report. I called to inquire about the item and a representative named XXXX and XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX County Recorder of Deeds under the property address XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX and XXXX should be fired and XXXX XXXX should be closed down. The real lease is attached, notarized, and documented with the XXXX county recorder of deed, signed by myself and the property owner.
I started my loan modification with Rushmore Loan Management Services in XX/XX/XXXX, We had come to an agreement just before the sale date of the house. The only problem was that I had never consulted with a Attorney, and I was afraid to sign any paper. I went and saw a Attorney and they suggested bankruptcy to stop the sale. Now Rushmmore will not agree to the original terms in XX/XX/XXXX, which was {$7500.00} and {$1500.00} per month for 3 month at that time a final modification if I was current. One week ago I gave them {$20.00} down and they raised my monthy payment {$2500.00} per month, setting me up for failure again. This is the payment I had before and was not able to keep up with it. I do n't understand this is no modification. My father use to help with the mortgage payment, since XX/XX/XXXX he XXXX at the age of XXXX, now he is XXXXyears old and all his social security goes to XXXX expenses..