WillisBack/dataset-financial-user-claim huggingface dataset:
LVNV Funding LLC, continue to file false information on my credit files. The debt listed below, is reporting on my credit files and LVNV Funding LLC will not respond to my requests for validation and verification. I have never had an account with this company and do not have any contractual agreement with them.         Name : LVNV FUNDING LLC Acct # :  XXXX  Credit Limit : {$0.00} Date Reported :  XX/XX/XXXX  Date Opened :  XX/XX/XXXX  Balance : {$880.00} Past Due : {$880.00} Acct Status : LVNV FUNDING LLC  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , SC  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Current Status : Account Owner : Individual Account.  High Credit  : {$880.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : {$0.00} Terms Duration : Terms Frequency : Date Opened :   XXXX   Balance : {$880.00} Date Reported :  XX/XX/XXXX  Amount Past Due : {$880.00} Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity :  N/A  Date Major Delinquency First Reported :  XXXX  Months Reviewed :  22 C reditor Classification : Financial Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency :   XXXX   Comments : Consumer disputes this account information, Collection account, 81-Month Payment History Year   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
In or around  XXXX    XXXX  , I opened another checking account to have my paycheck directly deposited. My employer required that I attach a voided check to the payroll request. I already have a checking account which I have been depositing to for several years, however, I needed to switch to the new account to be able to close the ol  d one.
Chase took a monthly fee out of my new account and the charge for the new checks. This caus  ed my account to go belo w 0 .  On  XXXX   XXXX , my employer attempted to deposit my paycheck, however the new account was closed. I NEVER received notice that the account was going to be closed.     A fter 20 minutes on a customer service call to India?, I was told that the new account was closed, and that my paycheck was never deposited. I called back and spoke to another customer service rep for an additional 45 minutes who told  me that the reason my new account was " rejecting '' the deposit was due to the name on the check not matching the name on the account- being my initials and not my full name. This is odd since I 've been deposit  ing my check with Chase for 17 years. They could have just looked at last month 's check, if that was the case. But it was n't.
The real problem is that they used up all of my money on fees and checks, then closed my account before my employer had a chance to switch the account numbers (  beyond my control ). Now, it will take my employer another 2 months to change account numbers and I 'm back at square one. I have checks that are no good since the account is closed, a paycheck with no account to   go into, and I 've lost about {$50.00} in fees.     I want the new account reopened, immediately. I do not want to open another new account, order new checks, and hav e the same thing happen again due to the lapse in timing between my employer and the bank. I have been with Chase for 25 years, I have multiple credit cards with Chase, and I have family members with Chase. If I find out that this also negatively affected my credit, I will never use this bank again.
I have a mortgage that was transferred to Greentree Servicing. Since the loan was transferred, the service is rude. Recently, my husband was off work due to a XXXX and we were late in making our payment. We advised Greentree that the payment would not be made until the XXXX of the month, when we would have another paycheck. They continued to call 3-4 times a day and also at my place of employment. I questioned this and told them that I had previously requsted that no calls be made to me at my place of employment. They indicated that the account was noted and they had called in error. In the past 3 weeks I have received over XXXX calls from Greentree at my place of employment by the same individual that indicated that my account was noted for no more calls. I had even gone so far as requesting that the phone number be removed from their system, yet they continue to call. My 2nd issue is that their billing statements do not list what the monthly payment is. We recently had an escrow change, and I paid that amount and the payment say in unapplied and was not credited to a payment. The analysis indicated my payment was {$1200.00} yet when I paid {$1200.00}, the payment again sat in unapplied and did not post to my account. Yet they continue to call me day and night AND at my place of employment. No where on the billing statement does it give a breakdown of what is due ;. Since the last notification I recvd for a payment change was the Analysis in XXXX, I have paid that amount yet, the payment still sits in unapplied. They refuse to indicate what the past due payment represents. Since the loan transferred to GT about 2 years ago, we were only late this one time XXXX XX/XX/XXXX 2016 ) and now the XXXX payment is sitting in undisbursed. They have an obligation to explain the amount due, which they do not. I want action taken against them for continuing to harass me at work multiple times a day when it is very clear that they have my request to not receive calls at work. Since my loan transferred, I have also been charged a late charge, when per my contract, I should have been. It indicates a late charge would be assessed on the unpaid principal and interest portion of my payment. I made the principal and interest prior to the end of my XXXX day grace period, yet they still charged me a late charge, because my escrow portion of the payment had not been paid ( I paid that the following week ). They are impossible to work with and do not answer questions when asked and frustrate me to the point where I ca n't take their calls. I have no intention of defaulting on my loan but they continue to treat me rudely and threaten me.
XX/XX/XXXX, I was notified about two Fraud attempts on my Chase Freedom Credit Card. My online banking was suspended. I was told I needed to verify my identity in person at a branch with two forms of identification. I spoke to XXXX and XXXX about the credit card attempts and informed them it was not me. 

XX/XX/XXXX, I noticed checks were deposited on my account but they were not deposited by myself. They seemed to look similar to my payroll checks from my employer but not authenticate. I also noticed quickpays out of my account that were not done by myself. I called Chase and was told once again that I needed to go to a branch with two forms of identification. That morning I went to a Chase branch, closed my checking account and opened a new one like the representative advised me on the phone. I filed a claim about the checks and quickpays. 

XX/XX/XXXX, I received an email that I needed to verify an external account that was added to my account. I went to the bank again who told me it was on the old account and that the notification was in reference to the quickpays. 

XX/XX/XXXX, I was at a Chase branch when I found out my bank accounts were frozen and it became a deposit only account. I had to cash a payroll check to make sure I had access to funds. 

XX/XX/XXXX, I went to the ATM and saw I only had XXXX XXXX dollars in my bank account. I spoke to a banker and was told my claim of {$3700.00} was still pending but received a credit XXXX XXXX dollars was added to my savings account which was still frozen. 

My complaint is that someone other than myself had access to my online banking. Chase has done nothing but failed me. I have been a customer for over ten years and I have worked in customer service before which knows how I should be treated as a customer. I'm clearly a victim of identity theft and feel like Chase has treated me as a criminal. Someone forged my signature, deposited counterfeit checks and did three quickpays which seems like this has federal crimes all over it. I just want my money refunded to me which was in this case stolen from me via using my online banking account.
On XX/XX/XXXX I received a letter from XXXX XXXX of FMS Financial Solutions ( XXXX XXXX XXXX. XXXX XXXX, XXXX, MD XXXX, XXXX ) regarding a supposed early lease termination fee from XX/XX/XXXX. I can provide the details of my dispute if you need, but when I called XXXX XXXX he started yelling at me in a most belligerent manner, and threatened a lawsuit. His conduct was most unprofessional and overly aggressive. He was trying to collect for XXXX, ( XXXX XXXX XXXX XXXX. XXXX, MD XXXX, XXXX ).
On or about XX/XX/XXXX, I had to move out of my apartment due to being relocated for a new job. I turned in my notice to vacate the residence, along with the keys to the landlord. Per my lease agreement, I was on a month to month lease, and according to Florida Statue 83.595 ( 1 ), ( 2 ), or ( 3 ), we selected choice 2, in which we did not agree to liquidated damages or an early termination fee. I also did not receive a proper accounting of security deposits in which we paid since we have moved in on XX/XX/XXXX. I have since attempted to contact the property management company who did not assist in trying to correctly remedy this problem. I understand that I owe 1 month rent, minus the additional security deposit that they owe me, or to apply towards the balance owed. Once this is corrected, I will then work out an arrangement to remedy this balance.
I have been trying to sell my home for over 3 years, CHASE Bank, during that period my real estate agent, presented XXXX offers to Chase as a short sale, THEY REJECTED all of them. 
Finally just recently, they accepted an offer, hooray. 
Here is my problem. CHASE has offered me a {$10000.00}. relocation allowance, to move. 
That would have been fine 3 years ago, but currently, the price of rental houses has more than doubled, and a {$10000.00}. relocation allowance in this market is just not Enough. 
As rental homes have XXXX, I need CHASE to XXXX there relocation allowanceto ME from the {$10000.00} current offer, and increase it to a {$20000.00}. relocation allowance. 
As rental properties have XXXX, it is only fair that CHASE XXXX my relocation allowanceto {$20000.00}. PLEASE MAKE THEM COMPLY WITH MY REQUEST, THEY KNOW THAT RENTAL PROPERTIES HAVE XXXX, Thank you.
Starting in XXXX of XXXX, multiple credit inquires were made by companies and businesses that I did n't authorize. I have a credit verification statement placed on all 3 credit bureaus yet the credit inquires were granted. I was only notified after the fact via checking my credit report. I also included my phone number to verify if I authorize a credit inquiry. I fear that my SSN was used by someone pursuing credit and now my credit limits have been decreased on 1 of  my credit cards ( XXXX ) due to these multiple inquires. All 3 credit bureaus have yet to report paid off balance or call/contact me about these numerous inquires. Also, multiple charges and cash advances were made without my knowledge as well ( XXXX ). Credit Bureaus at fault ... XXXX XXXX Equifax I have started a Identity Theft Report with the Federal Trade Commission as well ; I have already been a victim of identity theft before.
NationStar Mortgage Co who is the servicer of my mortgage owned by XXXX XXXX made unauthorized Hard Credit Inquires into both XXXX and XXXX credit bureaus. This occurred on XXXX when having a general conversation with an individual at NationStar about possibly refinancing my current mortgage. Not only did he access my credit report, but also accessed my wife 's. The detail of our conversation was completely recorded and I was adamant about not accessing credit info and did not provide SSN or any other info authorizing the pulling of credit detail. I have provided a detail faxed containing all of the pertinent info and talked to many different individuals at NationStar. The various individuals that I 've talked to at NationStar listen and promise to call me back, but never do. I am very concerned because both mine and my wife 's credit scores were lowered 5-7 points and this will remain for 2 years on the respective reports. My requests was to remove these Hard Inquires from the respective credit bureaus for both my wife and I. 
information and
I have been paying on my loans since XXXX and I am being told that I am unable to get cosigner release. Also I am unable to refinance my private student loans because of unsatisfactory credit ratings. My cosigner is unable to help me pay as he is in XXXX. In my promissory note it mentions that " auto default '' is possible if my cosigner passes away. I am currently on a 3 % interest rate reduction program and though the payments are high it is more manageable than the principal & interest or entire balance being due. Please help as the Navient representatives are not helpful at all in keeping my payments and loan account in good standing.
Navient has been calling me 10 times a day from multiple phone numbers. I am also current with my student loans with them, they are harassing me for my scheduled payment.
Portfolio Recovery is reporting negative information on my credit file that has not been validated. I have asked that they send me proof that I owe this debt and that has not happened. Proof such as a signed contract with my signature on it. I have no knowledge of this debt and I 'm demanding that this debt be properly validated.
mortgage company ( Seterus ) will not stop calling me even though have given them a date when I will pay They use robo calls and called me 7 times yesterdayI
Dear Sir, I have paying monthly fee to Experian Credit Bureau to check my credit report and communicate false information to Experian. On XX/XX/2018, Experian placed Fraud Alert on my credit report without my notice using my identity, also mentioned as consumer statement. I have no idea, how did Experian place so called XXXX ID security and fraud alert. I have also not any notification from Experian on this. I ran Experian credit report on XX/XX/2018 and came to know this fraud alert placed using my identity and also without my notice. I think, someone used my identity fraudulently and placed this alert. Experian must provide the complete details of this fraud alert so that I can contact Law Enforcement on this. Also, this fraud must be removed from credit report removed immediately. Also, I have closed all my credit records and only one credit card open, which has very minimal balance. I do not have any other Auto or any mortgage loans. I have only one credit card with my  identification and social. Experian holds the complete legal accountability and responsibility for placing this kind of fraud alerts without consumer 's notice and request. Could you kindly direct Experian to provide me the details of this fraud alert placed on XX/XX/2018 and also who placed this fraud alert on my credit report. Could you kindly direct Experian to remove this fraud alert immediately from credit report without further delays. I have communicated to experian that Experian holds that complete legal accountability and responsibility for placing this kind of fraud alerts and mixing my SSN, there should not be anyone who is associated to my social. Its considered as identification theft if someone uses my identity or Experian entertains anyone uses my identify.
Allied aka    XXXX   XXXX   XXXX  . They have a wage garnishment &amp; have intercepted my  tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  calls  XXXX   XXXX   XXXX  calls  XXXX   XXXX   XXXX  -  XXXX  calls
I recently paid on a bad debt charge I had with XXXX XXXX. I made an online payment of {$200.00} with Aldous & Assosiates. Later on in the week I went to XXXX and learned I was never suppose to be in collections in the 1st place. It was an error on there part. I called Aldous and Associates explaining to them what happened and they stated I needed a letter from XXXX saying I did not owe anything so I can get a refund of the {$200.00}. I paid. I have done everything Aldous and Associates has asked me to do. It 's going on 3 weeks and I have not received my refund. I have called several times and every time I call I am getting a different date on when my money will be deposited. I was speaking to a " supervisor '' XXXX XXXX he had yelled at me, hung up on me, been rude and disrespectful and will not let me speak to anyone else in that office. All I am trying to do is get a refund of my money and this office along with its staff is making if nearly impossible. I have asked to speak to his supervisor or someone who runs that office and I either get hung up on, put on hold for over 20 min or he says he is the one in charge. This is crazy and completely ridiculous. What company can do this to people!! This company needs to be stopped! They can not treat people this way!!
My home mortgage was sold to Nationstar, and I had trouble since. Last XX/XX/XXXX, I called and asked Nationstar if I could prepay my XX/XX/XXXX property tax since i have an escrow account with them. I was told I could go ahead pay it, and Nationstar will do a escrow re analysis for me once I submit the payment proof. 

I faxed over my payment proof in XX/XX/XXXX and called request for the escrow account analysis. In XX/XX/XXXX, I called. In XX/XX/XXXX, I called, In XX/XX/XXXX, I called. However everytime I called, the rep. including the supervisor were rude, not willing to help, nor do the escrow re analysis. I was told a different story every time I call. 

I called local county, and I know the county has refunded the money back to National star for my property tax for the period XX/XX/XXXX - XX/XX/XXXX, at {$5900.00}.
On XX/XX/XXXX, I signed a Federal Consolidation Loan Application and Promissory Note. That note stated " Except for any portion of the Federal Consolidation Loan attributable to a HEAL Loan, this loan will bear interest at an annual rate that is fixed for the term of the loan. '' The initial interest rate of the loan was originally 4.875. It was subsequently reduced to 3.625 upon my enrollment in an automatic debit plan. I started to notice on the monthly statements that the balance of the loan, after deduction of the amount applied to principal, was less than the balance Navient was providing. I sent many inquiries to Navient regarding the discrepancy, receiving no direct answer that explained the discrepancy. On XX/XX/XXXX, I contacted Senator XXXX XXXX office regarding the issue. The Senator 's office referred me to Federal Student Aid, who advised me to take the steps that I had already taken. My letter to that agency, dated XX/XX/XXXX, received no reply. On XX/XX/XXXX, I contacted Representative XXXX XXXX 's office regarding the same issue. That office contacted the U.S. Department of Education, receiving no response. On XX/XX/XXXX, I received a letter from XXXX XXXX, Office of the Customer Advocate at Navient, with a history of my 10 years of timely payments ( now 11 years ) and the following formulafor the calculation of interest : ( Unpaid Principal x Interest Rate ) divided by 365.25 =Daily Interest Daily Interest x Number of Days = Interest Due I telephoned Navient today, XX/XX/XXXX, regarding the same issue : the computation of interest used by Navient is not that to which I agreed to in the promissory note. I was told that Navient 's computation is correct.
I have been working with Quicken Loans, Rocket Mortgage, since early XXXX to purchase a home in XXXX XXXX, Oregon. Asking price was {$480000.00} but we talked them down to {$470000.00} and I was pre-approved while working with XXXX XXXX, Mortgage Banker, with a closing date of XX/XX/18. I have provided everything typically asked for such as bank statements, rental lease agreements, pay stubs, homeowners insurance policies, etc. 4 days before closing I am contacted by XXXX XXXX ( Senior Purchase Specialist (? ) and told my debt to income ratio was a little too high and that in order to improve my ratio, I need to take my non-working wife off the loan, show liquid assets to cover an {$8000.00} school loan I cosigned to help my cousin attend college, buy out my PMI, and buy down my interest rate from 4.375 % to 4.2 %, all for an increase in closing costs by about {$17000.00}. I was told I can either show liquid assets or show I'm a co-owner of a brokerage account with value over and above my liabilities. The next day, I speak with a XXXX XXXX, Solutions Specialist, and told that they can not move forward with the loan but can not tell me why. I am transferred to XXXX XXXX ( Executive Relations Specialist (? ) and told the same thing and that Senior management had made the decision, but she is not privy to the specific reason why. Meanwhile, my house is completely packed, my non-refundable one-way plane ticket is purchased, and the sellers are standing by waiting to sign since closing is 3 days away. After contacting XXXX, again, I am told she can send me a denial letter, and the reason for the denial is " Debt to income : non self-employed income not supported. '' In trying to confirm what this meant, I am told that it is up to my interpretation, and that when Senior management looked over the notes in my file, they decided that they were not comfortable moving forward with the loan but would not disclose the specific reason why. My Realtor spoke with XXXX and was told something different than I was told : I was dishonest with some information I gave them. 
All I want is a specific reason why my loan was denied so I can at least move forward with piece of mind on what I can do better next time. I thought ECOA required lenders to provide a concrete reason to consumers when denied a loan. I have attached a copy of the denial letter and phone conversation as evidence to the above. Please let me know if anything else is needed. Thank you for taking the time to review my case.
Nationastar Mortgage has taken over our home loan as servicer and agreed to do a deed in lieu instead of a foreclosure. Now we are getting the run around after XXXX months of trying to finalize the process, this is still impacting my credit on a monthly basis. No one will give us a direct answer on the status and it is always the same thing that is it is being processed for XXXX months.
I opened the Citibank checking and savings account package in XX/XX/XXXX under a promotion, where I should receive {$400.00} bonus if i follow through with the terms of the promotion. The promo code was XXXX. O n XX/XX/2018 I deposited {$15000.00} into the checking account and {$200.00} into the savings account and held it there for over half a year.

I have since met the conditions under the terms of this promotion, and have repeatedly contacted Citibank about the bonus, but the calls went no where. Research case was also opened but there's no promised updates ( within 24-48 hours ).
Transunion recently sent me my Credit Report on XXXX XXXX, 2016. Unfortunately my previous disputed inquires have not been removed. The following inquiries were and are being disputed : XXXX XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 Please note that for some of the mentioned disputes listed above have been disputed with XXXX & XXXX and removed.Transunion has not complied FCRA.