WillisBack/dataset-financial-user-claim huggingface dataset:
I mailed in our XX/XX/XXXX mortgage payment of {$1200.00} to JPMorgan Chase on XX/XX/XXXX by certified mail to the company payment dept. in XXXX, AZ. Chase received the payment on XX/XX/XXXX. On XX/XX/XXXX, our Chase online mortgage account showed that the entire amount of {$1200.00} was applied as a principal reduction on XX/XX/XXXX. The check and mortgage payment slip were clearly marked as a mortgage payment. This is not the first time that Chase has misapplied our mortgage payment. The same thing happened on XX/XX/XXXX. We had to fight with Chase to get our mortgage payment fixed. In XXXX XXXX, we received three debt collection letters from Chase even though our mortgage was not late or in default. In XXXX XXXX, we have received three debt collection letters even though our mortgage was not late or in default. That is six debt collection letters in one year without legal cause. 

Chase disbursed from our mortgage escrow account in XXXX, XXXX, and XXXX for not reason. In XXXX XXXX, Chase disbursed from our escrow account and then raised our mortgage payment. Chase has continually used our mortgage escrow account to try to put our mortgage in default. In XXXX XXXX, we found out that our homeowner 's insurance provider XXXX XXXX was a bank client our JPMorgan Chase when we changed insurance providers and started to cancel our insurance policies. Neither company disclosed this information to us. Every year since XXXX, when Chase took over the loan servicing our our mortgage we have seen significant premium increases in our homeowner 's insuranc. Both XXXX XXXX and JPMorgan Chase benefited financially from this arrangement. 

Chase 's customer service dept. is designed to sent customers on a wild goose chase. We received a letter from Chase dated XX/XX/XXXX stating that XXXX XXXX, XXXX Chase Relationship Manager had been assigned to work with us regarding our mortgage issues. He listed is direct number as XXXX. I called this number four times to speak with him. It was the Chase automated general customer service line. We have repeated received unsigned form letters with no contact information to speak to an actual Chase employee. We have also received letter stating at an employee had tried to call us which was untrue because we have caller id. 

The most disturb thing that we learned on XX/XX/XXXX was that JPMorgan Chase was not the legal mortgagee on our mortgage. The clerk of court has XXXX XXXX listed in the mortgage records as the legal mortgagee. Apparently, our mortgage is being transferred from XXXX and XXXX XXXX such as JPMorgan Chase. Which means that the original promissory note on our mortgage is gone.
I have accounts with Wells Fargo Bank. We travel to XXXX often and we have done wire transfers many times on line and all of a sudden it wo n't work. After I put in the information and hit the " calculate '' button for it to tell me what the exchange rate is and how much will be available in XXXX - it puts up an error message saying my information is incorrect or incomplete!!!! This is their " EXPRESS SEND '' type transfer. It pops up with all the blanks filled in except for the transfer amount. Based on copies I 've received as confirmations the information is all the same!!!! Nothing has changed. HELP!
i have 2 student loans for my 2 XXXX  Degrees i had in my reports that i do not have to start payments until XX/XX/2016.

In XX/XX/2016 i started receiving calls from XXXX XXXX and XXXX XXXX saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX  XXXX   would not remove these late payments and they continue hurting my credit
I am a victim of identity theft and i have an fraudulant unauthorized account from a XXXX XXXX corporation that is showing on my equifax credit account i have provided a police report to equifax that the account is a fraudulant unauthorized account because my identity was stolen. XXXX and XXXX removed this account and blocked it but Equifax has failed to do there job even though i provided my police report also i have a fraud alert with all 3 credit bureas i also reported an account called XXXX XXXX as being a fraudulat unauthorized account and equifax closed the account but they have failed to remove it from my credit account im pissed at equifax they are not doing there job if its closed for being a fraud account then why leave it on my credit account it does not make any sense equifax are not doing there job please help me!!!!!
I received emergency medical service in XXXX, Nevada. I am a resident of XXXX and have medical insurance I receive medi-cal and I am covered on all emergency visit inside the USA. My medical insurer, XXXX XXXX XXXX contacted the XXXX XXXX XXXX and informed them they could send the bill to XXXX. A XXXX XXXX representative agreed over the phone and still have not billed XXXX. XXXX XXXX XXXX has sent my account to collection.
I never did take out a student loan with Sallie Mae or XXXX, that Sallie Mae Keep consolidating Students Loans in my name, they have ir-legally taken my Identity, its call Identity Thief!! I think it may be XXXX University committing the Fraud, because My Students Loans came from XXXX, and XXXX XXXX is my Service Lender. Internal Revenue would actually give my Federal Refund to Sallie Mae and XXXX for Students Loans, I never did take out!!! The Treasury Department needs to be Court Ordered!!! XX/XX/XXXX irlegally taking {$840.00} tax refund of {$1200.00} ( XX/XX/XXXX ), my Federal Refund ir-legally would be garnished for Identity Thief for Sallie Mae and XXXX XXXX XXXX, I never did take!! My real loans in deferment, while I keep applying for Occupations in my field!!!! I would report to the Internal Revenue in the Highest Degree of with Sallie Mae and XXXX, and had stolen my Identity, which is still Identity Thief!! Meaning my Federal Refund goes XXXX and XXXX XXXX, and some of the catalogs!!! When Louisiana State Revenues knows better, so can the Fraudulent Internal Revenue, The Treasury Department, XXXX that committs the Fraud of giving my Federal Refund, and my business is extremely slow there is no from profit from it!!!!, I do not have a job in my field to pay on a Student Loan, I practically, live off the XXXX employers, I worked, for and you would not get {$680.00} dollars working for XXXX employers, no one really wants this Federal Agency looking into their work history!!! With Fraud that they committ!!! Part of refund was supposed be used to pay on my Credit Card XXXX {$240.00} dollars payment of them trying to lend me {$520.00}!! ( A settlement payment )
I sent a letter requesting validation of the debt and they refuse to respond, or speak to me at all. They told me that I needed an attorney or to have my attorney call them. I told them 6 different times I did not have an attorney to represent me. They have refused to correspond with me and will not remove the account from my credit bureaus. The original creditor even stated the account was a XXXX balance. I have been trying to remove this account to the point I even agreed to settle it to get it off of my reports and they will not tell me any information at all. PLEASE HELP!! I am trying to provide a home for my family and this has been a complete hinderance. I can not resolve the debt when they refuse to give me any information or speak with me. I just want this collection removed from my credit.
On XX/XX/2018 XXXX allowed placement of a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. Within days of filing the initial dispute for the fraudulent account with XXXX, XXXX XXXX XXXX placed the same account on my credit report ( s ) a second time. XXXX resolved the first dispute in my favor and  immediately initiated a dispute for the second placement on my credit report, which is not yet resolved, which makes no since considering it is the same exact fraudulent account that they had just removed. Today, XX/XX/2018, I received an email from XXXX that the XXXX XXXX has now placed the same fraudulent account on my report a third time. XXXX, Transunion, XXXX and XXXX XXXX XXXX are in violation of the FDCPA by allowing a previously disputed and documented account as fraud on my credit reports, attempting to collect a debt that has proven to be fraud, is more than 10 years old and by repeatedly allowing the account to be placed on my credit report and by placing the fraudulent account on my credit report even after the Credit Report Bureaus have resolved the account as fraud.
This bureau is plainly in violation of FCRA law Code XXXXProcedures in cases of disputed accuracy. I will challenge their disappointing investigative abilities in this complain and set forth any legal action necessary from this point forward. 

XXXX. # XXXX ... is outdated and past due in terms of deletion. By law items can not surpass the 7 years mark in regards to being on my credit report an this account in plainly in violation of that LAW The problem I am having with this company and their false and illegal repotting is that they have DELETED the ENTIRE payment history after each of my disputes in order to cover their tracks regarding anything and everything i am challenging. I have gone from having a payment history showing from XXXX to having no history of payments and therefore no ability to verify or deny anything that is being argued regarding this incomplete and invalid account. This account, XXXX, is clearly non-verifiable and over due to be deleted. 

Another concern I have is that this account, from XXXX, has been re-aged and made newer to reflect a XXXX date, even though all of my payment history has mysteriously been wiped out. 

This is unacceptable behavior and so very unlawful. Why delete information that I am disputing an then tell me it was verified? I called the number XXXX XXXX XXXX and got no response nor a dial tone. Therefore, I am curious WHO you have contacted to verify this terrible account through and HOW! I have never held an education loan with XXXX Bank, I have FEDERAL LOAN with the government and that is it! My account was transferred when my school violated FDCPA laws against its students and the government took over every students loan. I have never in the last 7 years been involved with any other loan. This is well passed that date an though it has been altered and change NUMEROUS times, I will challenge it until it is removed! It is clearly outdated and unverifiable. I am being lied to by your company and I DO NOT APPRECIATE THIS! No proof, NO descriptions and procedures, as the law CLEARLy requires under FCRA section ( XXXX ) : A Consumer Reporting Agency Shall Provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by no later than 15 days after receiving a request from the consumer for that description. 

THIS ITEM HAS NEVER BEEN PROVIDED TO ME! I have requested proof and validity on this account on numerous occasions. You have not fulfilled your duties to me as a consumer and therefore have no right to keep reporting this account to my file.
I received a response from XXXX XXXX and I am not satisfied with the response from XXXX XXXX. XXXX XXXX denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. XXXX XXXX website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and XXXX XXXX was unable to reach me to notify my of the late payment. XXXX XXXX is purposely trying to keep this damaging information on my credit report when I was only 31 days past due. 

XXXX XXXX is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to XXXX XXXX in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn XXXX XXXX has such a hardline attitude towards the circumstances of my situation.
I attended XXXX XXXX XXXX from XXXX. I took out private loans. I have since been repaying them on time. I only had XXXX six month forbearance for the life of the loan and used that in XXXX. I was laid off last XXXX and was collecting unemployment insurance. That ran out at the end of XXXX. I called ACS Education who I make my payments to and requested some sort of hardship forbearance. This was on XXXX XXXX, XXXX and I spoke to XXXX XXXX. This call took place around XXXX central time. I made my request, she put me on hold, then came back and told me that I was granted a two month hardship forbearance. She told me that I did not need to pay my loan for the months of XXXX and XXXX XXXX. I explicitly asked her to confirm and she told me not to pay my loans for those months. They have the call and record and you will be able to retrieve it. She sent me the forbearance request form to sign and I signed it and emailed it back to her. 

In the beginning of XXXX I received a call from the ACS collection department. I told them I had applied for a forbearance and they explained that it was still in the approval department. At no point was I told to make a payment for XXXX or XXXX. 

In late XXXX I logged into my account to see that I had XXXX past due balances. I called to inquire why this was only to find that the forbearance request was denied. I explained the situation the representative, XXXX, said she would research it. She did over a few weeks. In that time, I received a call from XXXX and XXXX, a collection agency who is extremely nasty. In the time they were researching this situation, ACS reported me to a very nasty collection agency who demanded I make payment. I researched this and contacted XXXX, and called XXXX and XXXX. back only to find out they had sent the case back to ACS. XXXX then contacted me a few days later I was told that they went back to the lender who denied the forbearance. 

I then requested to speak to her manager. I told him that this was on ACS for giving me misinformation and that I want them to credit me for the total past due which is {$620.00}, as I can not pay it. He said he 'd look into it. He called me back yesterday denying my request. In XXXX separate calls, admitted this was the fault of the ACS represntative. XXXX of those calls was on XXXX/XXXX/XXXX at XXXX central time. Again, I urge you to pull that call for this investigation. I was basically told this was their fault, but that I have to pay the past due. I was not offered a payment plan or anything. I was simply told that I need to make a payment by the end of the month or it will be reported to a the credit bureaus. 

This is beyond unacceptable. I was TOLD to not pay my loans for XXXX months by a representative of ACS. They are ADMITTING fault, and yet refuse to work with me. They must make reparations and pay for the XXXX past due balances, a total of {$620.00}.
I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, Experian, XXXX ). I submitted a police report, FTC report and letter 3 times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 
Here is a list of the Companies and dates of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
On XX/XX/XXXX, I received a notification of a negative credit entry being added to my credit report. This negative entry dropped my credit score by 15 points right away. The credit entry stated that I have a past due bill from XXXX XXXX and that Southwest Credit Systems is the assigned collection agency. I am currently a XXXX customer and began service only 3 months ago. During my installation of my current service, I was not told that I owe a past bill, nor do I have any recollection that I owe XXXX from a previous service contract. On XX/XX/XXXX, I reached out to XXXX about this negative credit entry and the individual I spoke with advised me that this was for a bill where disconnection of service was from XX/XX/XXXX. The XXXX representative would not give me any details about the bill only that It was on their files. Neither XXXX or Southwest Credit Systems attempted to contact me about this alleged past due bill even though I am a current XXXX customer and they have all my up to date contact information. XXXX and Southwest Credit Systems are obligated to contact me first, present verifiable information to me so that I can have an opportunity to address the alleged past due bill before posting the information on my credit report/file. This was not done, and I was given no prior legal consideration or notification. The credit entry claims the file was opened on XX/XX/XXXX.
I have XXXX Chase credit cards. Most I have held and used for over 12 years. I have always made my payments and have never been late on any card. Just recently, I paid XXXX of my accounts to zero. I occasionally use my cards for tuition or vacation ( large purchases ) and pay them down. Unknown to me, they did an account review and dropped my credit card limits from $ XXXX to {$1000.00} and {$2000.00}. My goal when I paid the cards off this time was to improve my credit score. I understand that when you have a card, the credit agencies calculate your balance to the credit limit. By reducing my credit limit, Chase could cause my credit score to go down! If I were a problem client, missed payments, misused my credit - I could see this action. Their reasoning is that they think I have too much other outstanding credit. On my other cards, I utilized balance transfers because they have a much lower interest rate than most cards. On ALL of my credit - mortgages, car loans, credit lines, etc. - I have not had a late payment EVER! I have shown that I have consistently ( 20 plus years ) been able to manage my credit. I feel that Chase is harming me as a consumer by lowering my credit limits by potentially affecting my credit score. They have no financial reason to make this decision. I always make my payments and my cash flow is more than sufficient to carry the debt load that I have. I feel that I am being penalized by Chase. If my credit score goes down by this action, they could cause my other credit cards to increase their interest rates and cost me substantially more money. My income is $ XXXX and my debt ratio is 36 %. The income does not even include my husband 's income, which is close to $ XXXX.
Receivables Performance Managemet calls multiple times a day looking for someone who is not us. We have told them they have the wrong number but they continue to call. Furthermore, most times when they call and we answer, they put us on hold then hang up on us. We then have to call back to talk to a human. When we call back, about 50 % of the time, they hang up and 50 % of the time someone answers. This is extremely unprofessional and frustrating, especially when we have told them that we are not the person they are looking for.
We have tried to get loan modification but were denied without a real explanation. In response to our loss mitigation application submitted on XX/XX/18 21st Mortgage denied us ( in their XX/XX/2018 letter ) because : " Based on 21st Mortgage 's judgment, you have not experienced a new significant life event resulting in a short-term inability to repay. You do not meet the criteria for any other loss mitigation program at this time. '' In our XX/XX/2018 loss mitigation application we indicated that our household income had been reduced because my wife had become XXXX and was out of work. We also indicated that she was receiving XXXX income and we could resume making payments. We submitted a copy of check stubs which clearly indicated that she was receiving " XXXX XXXX XXXXXXXX '' We are frustrated because XXXX XXXX XXXX rejected our earlier loss mitigation application on XX/XX/2018 for the exact same reason. If a person becoming temporarily XXXX at work is not a " significant life event resulting a in a short-term inability to repay '', then I don't know what is. It seems that the `company is arbitrarily not helping us. Please see attached loss mitigation application, temporary XXXX check stubs and denial letters.