WillisBack/dataset-financial-user-claim huggingface dataset:
JPMorgan Chase Bank, N.A., XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL., filed documents that were intentionally inaccurate and submitted without any good faith basis to the United States Bankruptcy Court in the XXXX District of Illinois and the Circuit Court of the XXXX Judicial Circuit Court , XXXX County , Illinois in order to obtain a Judgement of Foreclosure and Sale on XXXX XXXX, XXXX. 

Since XXXX XXXX, XXXX, JPMorgan Chase Bank , N.A . has continued to practice unfair, deceptive acts and business practices by denying consumers Rescission Rights. 
Consumers Rescission rights are as follows : Rescission Rights ( Open-End and Closed-End Credit ) - Sections 1026.15 & 1026.23 TILA provides that for certain transactions secured by the consumer 's principal dwelling, a consumer has three business days after becoming obligated on the debt to rescind the transaction. The right of rescission allows consumer ( s ) time to reexamine their credit agreements and cost disclosures and to reconsider whether they want to place their homes at risk by offering it as security for the credit. 

To rescind a transaction, a consumer must notify the creditor in writing by midnight of the third business day after the latest of three events : Consummation of the transaction, Delivery of material TILA disclosures, or Receipt of the required notice of the right to rescind. 

This complaint will serve as Notice to JPMorgan Chase Bank, N.A, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Il to rescind loan transaction XXXX based on failure of JPMorgan Chase Bank , N.A . to : Consummate the transaction, Delivery of material TILA disclosures, and Receipt of the required notice of the right to rescind. 
If the consumer rescinds the transaction, the creditor must refund all amounts paid by the consumer ( even amounts disbursed to third parties ) and terminate its security interest in the consumer 's home.
Dear CFPB Please be advised that I was not served or informed by XXXX about an allege credit card Judgment against me. Also they allegedly sold this judgment to a third party and I was not notified from either party.
Debt was initially legitimate. Debt was paid in XX/XX/2014 to law firm collecting on behalf of debtor, XXXX XXXX XXXX. I don't know what XXXX XXXX XXXX did with the money, or was it misapplied, but now 4 years later I am being repeatedly contacted by Glasser and Glasser, law firm, for same debt. I have disputed, and XXXX XXXX simply sends me evidence of original debt. I had 2 judgments, both were paid in one lump sum to XXXX XXXX XXXX for the benefit of 2 XXXX XXXX accounts. My money was processed by conversation with XXXX XXXX of XXXX XXXX XXXX in XX/XX/2014, at XXXX, to cover both accounts in full. I appreciate your assistance in getting to the bottom of this.
My checking account was closed by PNC bank without my consent. After closure they never sent me a check of my remaining fund in the account and won't let me access the fund in the branch. I contacted XXXX XXXX in the retail escalation department phone number XXXX, whom said would help me follow up with the issue and whatnot. She never did, and everytime I call her it's straight to voicemail. Highly unprofessional. PNC is keeping my funds as interest free loan and I demand my fund sent to me immediately before I take legal actions.
We have been denied a short sale opportunity because I am XXXX and have funds in a business account which Chase says could be used for Mortgage Payments in lieu of paying quarterly taxes.
On XX/XX/18 Bank of America charged my checking account ( # XXXX ) for two wire transfers of {$4600.00} when I only authorized only one. They admitted that it was their mistake but they said they will not be able to put the money back in my account until XX/XX/18. This is completely wrong and the funds should be put back into my account immediately. Meanwhile my account is overdrawn, I can not pay my bills or get any cash. I will be switching banks tomorrow but this type of banking activity should be stopped.
Equifax refuses to remove student loan accounts that have been discharged by the XXXX on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Equifax is reporting incorrect account numbers on the XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the XXXX, proving that these loans have been discharged and paid in full and at zero balance and should be removed immediately from my Equifax credit report.
Recently reviewed credit report stating that I owe a debt with XXXX XXXX that being collected by National Credit Adjusters. I have never been associated with the address they have listed/linked to report. I have never received notices about the debt.
This complaint is being filed for the following reason : I owned a company named XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. During this time I had other persons operating and managing the company. At some time during their management they applied for and received an American Express Gold business card. I did not authorize or sign any documentation for the use of this credit card. They used this credit card to charge business related items for the business. To my knowledge there was neither personal use nor fraudulent activity with the credit card. After closing the business in XXXX/XXXX/XXXX I was contacted by American Express and told that I owed them approximately {$130000.00} for charges that were made by the company on the credit card. I explained to them that the credit card was not in my possession and I had not used it. American Express continued to insist that since I owned the business I was responsible for payment of the charges, I continued to insist that the credit card had never been in my possession and that I had not applied for it. Subsequently in XXXX of XXXX I received a notice that myself ( XXXX XXXX ) and the business that was closed in XXXX ( XXXX XXXX XXXX ) was being sued by American Express for {$130000.00}. The case went before a district court judge on XXXX/XXXX/XXXX. The judge ruled that American Express had absolutely no grounds to expect me to pay the charges for the credit card since I had not ordered it nor used it. The case was dismissed and American Express was ordered to pay all court costs ( please see attached documentation of this dismissal ). That was XXXX months ago and the real problem remains that American Express contacted the credit bureaus and reported to them that I still owed them {$130000.00}. I have always had very good credit but I do n't anymore because American Express has ruined it. I have reported this to them with no response. Please help, I thank you in advance. 

XXXX 
XXXX, KS XXXX
Tried calling Experian, XXXX and also XXXX to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

XXXX has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX  XXXX XXXX XXXX La, XXXX is my correct previous address. 

Experian has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

XXXX has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.
We owe XXXX XXXX XXXX, and since XX/XX/XXXX I have tried to fix the credit report with Experian, it has being three different times that I needed to start a review with them, it took more than a month each time. 
They were many errors and every time, I had to call the companies involved to try to solve it due to the lack of cooperation from Experian. 

They have some employees that want to help but some another ones that they treat you like if you owe them money or if you are doing something wrong, once they told me that we ( the customers ) get hung on the number, well, the number is the score that represents a company, and I needed to improve it, but they would not help. They just wanted us to buy the credit monitoring from them, and then they could help. 

We had a lien from the IRS that is resolved and paid for since last year ( 2016 ), and Experian does not want to delete it out of my credit report, even though there was another lien for a smaller amount, and that one was removed.
The lien affects my company credit score, and the last answer from them it was that it might take seven years to be removed. 
I would like your help in my dealings with Experian, when I call directly they just give me the round around and say that is under investigation.
I have 2 collections on my report inwhich I have disputed before and never received any documentation to the claims, but in the process I been mentally harassed by the fact. According to FCRA, if the claims do not follow with proof of such then the account should be removed.
Trans Union Credit Report Agency has included in my personal credit report information from other credit information obtained by XXXX, XXXX XXXX XXXX, XXXX, TX XXXX phone ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX phone : ( XXXX ) XXXX and placed it in my Personal Credit Information files. Trans Union action to freely place such incorrect information from XXXX and XXXX XXXX is damaging to my financial records since these 2 credit report agencies : XXXX and XXXX XXXX have different methods to calculate credit reports beneficial to the consumer. I found Trans Union action to place the reports from XXXX and XXXX XXXX without my approval being ILLEGAL and damaging to my financial needs.
I am the durable power of attorney for my elderly mother. Legal doc has been on file with Wells Fargo for nearly a year and has been approved by their legal department. My mother had a large 6 month CD in an IRA paying very low interest. I emailed the contact person at my local branch to find current rates and alternatives. This individual has helped me straighten out a previous mess caused by Wells Fargo. I received an out of office reply with a referral to t he manager ( name and phone number were provided in the email ) for handling issues during contact person A 's absence. I have left three voice mails with this manager over a period of two w eeks and have had no response. The third voice mail was after calling the branch directly and stating lack of response. Still no reply from anyone at Wells Fargo after a total o f 4 messages regarding this matter. Now the CD has automatically renewed for another 6 months by default and I still have not been contacted. Extremely poor customer service and this for a Crown Banking Premier Account with " personal bank er ''. In addition, after finally going in person to another branch I was told they could not help because they did not have the  POA on file when it is clearly stated in the titles for all  XXXX  accounts. And that an original of the POA would have to be provided. Only later to be told " oops '' we found it. Just total incompetence by Wells Far go. I am currently dealing with  three other financ ial institutions and have had no problems with any of them. Only Wells Fargo ... ridiculous.
I have XXXX of debt reporting on my credit for over 10 years ago and I had filed a complaint of identity theft years ago ....
Debt is stale, from 2003. 
Original debtor discharged this debt ; MCM collection agency has failed to provide verification and that debt was sold to several different companies.
I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted Ford Motor Credit ( FMC ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with FMC I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.
Have been trying to get a reinvestigation into the account from XXXX XXXX which is not mine and would like removed off my account, belongs to the other person from the account and been very frustrated in getting cooperation in getting it removed.
I received a letter from this company demanding payment for a debt that I do not recognize. To my knowledge I have never done business with this company
On XX/XX/2018, I purchased my then to be Fianc a ring from Zales XXXX XXXX XXXX. XXXX XXXX XXXX ( credit card company for Zales ) only approved me for {$2000.00} and I had to pay the difference and lay away the rest of the money.

I chose the ring and when it was time to pay, the credit card was swiped for {$2000.00} but strangely it took the whole payment of {$5400.00}. I was in the Zales store for 4 hours because of this mishap and the management team couldnt come up with a solution. So they told me that everything is ok and to sign for the payment and I would get a call within 3-5 business days for a  solution. Nothing was explained to me regarding a plan I am on or if I had a certain time frame to pay off the ring. I was told this had never happen and the whole payment being taken on a credit card is a first. I never got a call or email stating what is happening with my account until I made a call on XX/XX/2018. I was told my account is in good standing and they are aware of my situation, to keep making payments on time and not to worry about interest.

On XX/XX/2018, I received an email stating all the money I paid was taking away because interest was charge per agreement, in which I wasnt aware of any agreements.

In a years time, I paid almost {$1500.00} and made every payment on time.

Interest charged was {$2200.00}!!! It was not charge per month like all other credit card companies do, it was charged from the whole year I started with them, which was false advertisement.

I called Zales customer service management team and explained my situation letting them know I was not warned on any interest charges because of how the whole payment was charged on the credit card. They said I had to write a letter to the customer service team, in which I did and they denied my claim, did not contact me back and is expecting payment, which is NOT FAIR. Now my credit score drop significantly which hurt my chances of buying a house for my family.
Certified Mail No. XXXX XXXX XXXX XXXX XXXX United States Postal service document to remove inquires that are inaccurately reporting and not 100 % verified thereby must be removed
I was working on a modification agreement with Wells Fargo, in the middle of the process they sold my home. I thought I was receiving a modification in the doorway and I received a letter stating they had sold my home. I had paid an entire years with of payments to show financial stability, which I did. When I went to make the thirteenth payment they refused the payment. I then received a modification in the mail which extended the loan thirty more years, I questioned the validity of the extension and mailed to Minnesota from the XXXX in downtown XXXX, in the envelope provided by them. I waited and waited for a response, nothing happened. I then contacted them and they said they never received the document and letter. A long time had passed and expected something to happen, nothing did. I then called them, they explained I would then again have to go through the process once again. I submitted all the copies requested of XXXX forms, pay stubs, financials, including assets and payment made each month with, taxes, expenses, debts on auto loan. Received a letter in my door stating they had sold my home, it was going to be auctioned. You can imagine my devastated mind-set. I am confused the banking industry was bailed out a few years back to stop economic devastation. Banks were supposed to work with consumers to keep their homes not to make the process a confusing mess. Sincerely, XXXX XXXX XXXX
on XXXX i settle an account with mariner finance the account was marked closed on XXXX. I received an email from XXXX XXXX XXXX Branch Manager stating that XXXX will report this account to the courts and the credit bureau as settle in full not account paid for less full balance i have attached the documents i received from XXXX and a copy of credit report.
following up this complaint # XXXX I also believe that the lady in the apartment above me might be ordering things and i'm being charged for them my account balance is always low or has the wrong amount in it. My apartment has be broken in multiple times i believe this the reason she always ordering from XXXX all my packages i accept no neighbor ever
I received a letter in the mail from Rushmore Loan Management LLC claiming that I was delinquent on my XXXX trust loan. They demanded that I pay all past due amounts -- there are none -- and sign up for their automatic withdrawal. ( I send the payment via XXXX every month on the due date, and it is received by Rushmore that day. )
My personal account at Chase was breached, either by someone stealing my personal information off my debit card, or Chase themselves stole it. When I filed a claim, Chase said to me : " They issued me a 'Perfect, Flawless, and Unique '' debit card that is literally " perfect '' and can not be reproduced or make any errors '' so they blame me for making XXXX+ withdrawals even though I absolutely did not such thing, and gave my information to no one. Either Chase is lying about how perfect the card they gave me and someone copied it from somewhere or Chase themselves used my " perfect card '' themselves, after all since they claim my card could not be duplicated then that leaves them as the other other way my money, {$2000.00}, disappeared into thin air, they said. They also said I had to have made those withdrawals even though My boyfriend is a witness, and claims I was with him during one of the purchases. This is a SCAM Chase is using to either steal, or allow someone to steal all my money, get paid for it, and refuse to be accountable for any money they manage.
I would like to ask you what are the options or steps that I could do to get results from the a company that supposedly reduced or eliminated the interest fees and charges of my student loan. 
I enrolled in their program in good faith XX/XX/2015, the asking fee were automatically debited from my account and yet they did not deliver the results they promised. My loan was just being deferred and interest charges are soaring. 
I have not received any payment booklet as well. XXXX representatives handled my account yet no results was granted. Now it is being handled by the director but all she has given me is a round around. The person 's name and company name is : XXXX XXXX XXXX Director of Operations Emerg : XXXX XXXX XXXX USA STUDENT LOANS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Ph : XXXX XXXX XXXX
I looked at my credit report and found a collection for $XXXX from TEK Collect, this account does not belong to me.
Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through XXXX XXXX 2017. waited on phone well over hour I could not get the overseas representative to do anything! Asked to be transferred to US waiting and waiting finally hung up. I asked them to contact XXXX who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their report!
my credit reports are not correct, I tried to dispute and and send information through web asking for these things to be looked into. I also got protection on my account because I belief theres been information accessed not by me on the XXXX hard inquires. also dispute been sent for the 2 XXXX  marks and I have not seen the results.
Equifax is not responding to any of my requests to investigate and remove XXXX fraudulent account and numerous fraudulent inquiries from my credit report that do not belong to me and were not initiated by me.
My checking and savings account was closed by CapitalOne 360. The relationship has ended and I had been calling to find out why and where my funds were. I place a recent report with CFPB and I received action only after I made the report. Funds from my saving account were returned to me by check, however, the funds in my checking account are still in the account. My fiance used my account to receive funds not realizing that that was not permitted. I have be requesting that the funds be returned to the remitter, since I am not allowed access and it has not been done yet. In fact, Capital One 360 has been removing small amounts of the money from the account. The amount was {$500.00} today it is {$380.00}. I received a letter dated XX/XX/2018, stating the money would be returned but as of today XX/XX/2018, they have not. I have left several messages for the person named on the letter, to no avail. Could someone please instruct Capital One 360 to return this money to the depositor as they stated they would? 

Thank you, XXXX XXXX
I attended XXXX XXXX in XXXX, Ca and had private student loans through Genesis Lending Services ( that have now been taken over by XXXX ). I want to verify if my loans should have been a part of the settlement made in XXXX 2015.
I disputing the information XXXX XXXX placed on my Credit Card as incorrect. I contacted XXXX XXXX Last year and they refused to correct my information as paid on time/Agreed. Subsequent to that XXXX XXXX is a very dishonest company They do not keep their promises. They closed my account without my knowledge and reported it negatively on my credit report.
The University XXXX XXXX sent my unpaid tuition charges to a debt collector ( XXXX XXXX XXXX ) after I dropped out but did n't tell me I had an unpaid balance that my loans did n't cover. When the collector contacted me, they demanded my personal information without telling me who they were and repeated to call me every day up to 4 times a day without telling me who they were, always on a different phone number. 

Finally I figured it out and set up an automated payment with them for a year but then I got laid off in XXXX XXXX so I called them to stop payments. They told me that I should call them back when I get back on my feet. They continued to call me every week, always a new person who would not identify themselves and demand my personal information. I repeatedly told them I am laid off and looking for work and they told me to call them when I found a job. 

XXXX months later, they still call me at least once a day, sometimes XXXX times, every day. They wo n't stop no matter how many times I tell them to stop.
I submitted a request for partial or full student loan forgiveness based on false certification due to disqualifying status and lack of ability to benifit because I have never earned a High School Diploma. The reason Navient gave for deneying my request was that maintain that my loan was disbursed prior to XX/XX/XXXX,  which is untrue. In my original application for discharge I supplied my High School Transcripts which show that I did not graduate. I also submitted college transcripts from the XX/XX/XXXX to prove that I attended College after XX/XX/XXXX but Navient refuses to acknowlege the documents or comment. I do not hold a college degree although I took college classes.