WillisBack/dataset-financial-user-claim huggingface dataset:
I left the country and moved to XXXX in XX/XX/XXXX. 

I visited the local TD branch and changed my address to my XXXX address to receive my monthly bills. 

I was unaware that my mortgage was being unpaid as I did not receive any of the mail. 
I have never been late in paying the mortgage or any bills at all in my life until this move, I'm unsure why my mail was still sent to my former address when I went to have it changed and explained my move at the branch. 

Late reports were listed on the Conventional Real Estate MortgageXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Home Equity Loan XX/XX/XXXX
In XXXX 2017 I booked a family cruise on XXXX XXXX XXXX. I used my Chase card to make the payment. I have always met my obligations regarding the credit card agreement as far as making payments timely. While onboard i patronized the Casino. I later found out that XXXX is notorious for deceiving and fraudulently cheating customers in the casinos on board. I was told by XXXX employee ( the hostess in the casino ) that I can used my onboard room card to play up to {$3000.00}. The limit on my Chase card wsd {$3500.00}. 
While in the casino I played mostly from winnings as well as spending money I brought onboard. I went to a Casino patron to check my balance they advised the couldnt tell me i would have to go to guest services. I figured since i could only use up to XXXX based on the Casino rules and my limit being {$3500.00}. I could not exceed that. I won {$2700.00} and played mostly from that. So imagine my shock when on my way off the ship i was given a bill from the casino for {$6800.00} approximately. I emailed XXXX and requested an detailed itemized reciept of winnings played as well as the amounts played from the onboard card. I have yet to receive that. 
To my complete surprise Chase bank accepted the charges for almost double my limit. I called Chase to question why they would accept a charge for double my limit when that was not our credit card agreement. Had i tried to purchase an item for {$6800.00} it would have certainly benn declined. Chase agreed to take a partial amount off to honor the card a agreement. The balance i would resolve through XXXX once proper billing had been supplied. After making a large credit card payment chase went ahead and added the balance back without my knowledge. They have made no attempts to resolve the issue. I feel Chase and XXXX XXXX XXXX are deceptive and unscrupulous in thier practices to mislead consumers.
This is a follow-up to a complaint submitted on XXXX XXXX, XXXX, ( Case number : XXXX ). This concerns the fact that my current mortgage was sold by XXXX to LoanCare XXXX as of XXXX XXXX, XXXX. It is my understanding that according to CFBP regulations, the new owner of my loan must notify me within 30 days of the effective date of transfer. It is also my understanding that both my old and new servicers must notify me about the transfer of my servicing rights no less than 15 days before the effective date of transfer. I have received no notification from LoanCare or paperwork of any kind. I contacted LoanCare on XXXX XXXX to inquire about my loan and to obtain a Loan Number so I could make my XXXX payment. As of XXXX XXXX, XXXX, LoanCare customer service had no record of my social security number in their system and no knowledge of my loan. LoanCare stated that they will not charge late fees for the month of XXXX and that I will receive information sometime this week. However, I have received no written assurances that late fees will not be assessed, and when I asked to speak to a LoanCare manager, they cut me off. I am extremely concerned ( based on their current ineptitude, online reviews and a XXXX grade of " XXXX '' ) that they will charge late fees and my credit rating will be damaged as a result. I am also highly disturbed that this company will be handling not only my mortgage, but property tax and home insurance payments. I am sending this additional complaint to add information to the record should it be necessary to take legal action against LoanCare.
XXXX/XXXX/16 XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$190.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
I was Approved for a mortgage by Finance of America Mortgage at 5.125 % went through enormous amounts of paperwork for underwriting to complete loan process only to have lender to come back over and over again with requests of paperwork.. Changed closing costs several times told me I had two choices on what to pay depending on if I get a letter from my lawyer will determine what my closing costs will be and my interest rate will be ( raised my interest rate ). My loan is approved with conditions that what I signed was not a contract and closing is on XX/XX/XXXX and now its impossible to close because I dont have my XX/XX/XXXX taxes that I filed which I didnt file because I did not work. He argued that I have to have a letter from someone stating I didnt have to file taxes in XX/XX/XXXX I receive XXXX and Alimony he already aware of this. I signed a form 3 weeks ago pertaining to the taxes so why this is coming up now before closing I dont know? My realtor and several other people cant make sense out of what hes doing ..in the meantime Im going to lose the house of my dreams. He never mentioned closing costs from the beginning of this process in the amount of {$8700.00}. I was told I had to pay {$3100.00}. If I argue with him the interest rate will go up or he makes it hard on me. Hes played the Bait and Switch tactic the entire time of the loan process. I was believed I would be paying the interest rate on the contract I signed he lied and twisted this entire loan process around to his advantage.
Innovis has been told several times that the XXXX account ending in XXXX was opened fraudulently. In spite of this, the company has reinstated the account on my report. However, the credit grantor has removed this account as fraud from my report. Innovis must not report any XXXX  account opened in the date of XXXX XXXX. If innovis reports another XXXX account opened in XXXX XXXX, I will sue for violation to the Fair Credit Reporting Act.
In trying to obtain a mortgage for a condo unit with Chase Bank, we initially shared ALL of our personal and financial information complete with all backup documentation which included the fact that we had an Equity Line on our current property. We were not told this Equity Line would be a problem and so we wasted a month and almost lost our purchase deal before we were informed finally after pushing our close date out that we had to greatly reduce this Equity Line or not receive a mortgage. We were also initially told there would be no 'points ' involved with this loan. As the close date neared with constant encouragement that we were satisfying all requirements, we received another mortgage confirmation letter which suddenly included 'discount points ' of 1.8 % and stated definitely that we would have to cap our Equity Line to a ridiculous amount. 
At that time, we went to XXXX and quickly and professionally were handled with no surprises and were able to close and purchase this condo unit.
Equifax credit reporting agency have inquiries on my report i did n't authorized. 
here are the unauthorized inquiries XXXX -XXXX XXXX XXXX XXXXXXXX XXXXX-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
Somebody took out my money {$9700.00} from my business bank last week XXXX/XXXX/2016 without my permission.
I applied for a HELOC with US Bank and they did not provide disclosures on time as required under TILA and Reg Z. I have tried for over a week to provide documents to my loan processor, however she first suggested I send the documents to her in an unsecure method via email. I advised I would need a secure way, and she advised she would set me up on a portal. I have tried multiple times to use this portal, however it is not set up where I can send messages. I have tried calling and I am placed on long holds without resolution. I feel like this is an unfair and abusive practice - I have been placed on many holds without resolution. I am trying to supply what I need to move forward with my mortgage - i am unsure if they are stalling because they know I am in a same sex marriage, or if there is another reason they are purposely delaying this application. At this time, I have been on hold with this XXXX number for 18 minutes and counting. I was transferred here from a sales line, which I was able to get through on in 2 minutes, and was assured their office in XXXX, OR would be able to respond. I am about to hang up and withdraw my application, but I feel like the CFPB should investigate their Reg Z and UDAAP violations.
The day after making my payment in XXXX XXXX XXXX XXXX XXXX Chase began to make unusual actions in the account. On XXXX, XXXX, XXXX, XXXX, XXXX, and on XXXX a series of actions called Payment were performed but they were all at zero, so no effect was experienced. On XXXX the bank made " a payment ''. Not me, them. The took this from suspense. Then on XXXX they removed my XXXX payment to pay back the suspense. I was now 30 days late. On XXXX I made my payment with no knowledge of the above. They took this to pay for XXXX instead of XXXX. I soonreceived a confusing and terrifying chain of paperwork. XXXX, this was as medically damaging as it was confusing.
In XX/XX/XXXX XXXX reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called XXXX to inquiry and dispute. The XXXX representative confirmed that she did not see my XX/XX/XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. XXXX responded by advising there was an error back in XX/XX/XXXX that they would adjust, but nothing for the XX/XX/XXXX reporting. I've worked hard over the past year to keep my account current and that negative mark reported in XX/XX/XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
.
I have disputed inaccurate information with XXXX since XXXX when I filed a counter lawsuit against them. The case was settled in XXXX. However, XXXX continues to intentionally report inaccurate information. The attorney representing XXXX is XXXX, ( letter attached ) and I have sent them XXXX dispute letters as well. The first dispute letter sent to XXXX once they took over the account from the previous debt collection attorney whom I litigated the case with was emailed and e-faxed on XXXX XXXX, XXXX. 
However, I have disputed this account to XXXX and all three credit reporting agencies since XXXX. XXXX sent me a partial response showing the information on my credit report is inaccurate date of last delinquency is inaccurat and according to the statements they sent me, there were no payments made in XXXX, XXXX or anytime after, yet they continue to report a payment in XXXX. 
The information is not the same as what XXXX verbally told me over the phone, which was they did not have a recorded payment received in XXXX. Per the FCRA the collector is required to report accurate information. I have now been denied a loan due to the inaccurate reporting by XXXX. 

AdditionallyXXXX XXXX has been reporting inaccurate information which I also disputed several times. XXXX did not follow CA law in order to collect a deficiency balance ; XXXX did not send me a notice about the location of the auction, did not allow me the opportunity to reinstate my loan as required before the creditor can collect a deficiency balance. XXXX only removes from XXXX credt report at a time only upon my dispute, they should report accurately to all credit reporting agencies, no just remove one at a time only when specifically disputed if they are removing from one credit report they should report accurately on all credit reports.
My FHA mortgage # was issued in 2009. According the HUD website, the monthly insurance premiums may be cancelled after 5 years ( if the mortgage terms exceeds 15 yrs ) and the LTV is 78 % or less ( based on origination appraisal ) and on time payments. I meet all requirements. I asked my mortgage company over a month ago to cancel this. They send they were 'sending a form. I have n't a word since. I want this cancelled
I have made three complaints about XXXX XXXX XXXX. They continue to state that they 've tried to reach me by phone. I HAVE ASKED THEM THREE TIMES VIA U.S. MAIL TO MAKE A COUNTER OFFER IN THE MAIL. I WILL NOT CALL THEIR OFFICE AS THEY STATE BECAUSE I AM COMPLETE FEAR OF THREATS, BULLYING AND DERRAGATORY REMARKS FROM STAFF AND XXXX XXXX. WHEN THEY WANT TO THREATEN ME WITH A GARNISHMENT OR A NOTICE OF EXECUTE IT 'S FUNNY THAT THEY SEEM TO HAVE MY ADDRESS FOR THAT. I AM ATTACHING ANOTHER LETTER TO THEM DATED XX/XX/XXXX-17 MAKING ANOTHER OFFER. I WANT TO SETTLE THIS BILL. I 'VE MADE SEVERAL ATTEMPTS AND THEY KEEP SAYING THEY TRIED TO REACH ME BY PHONE. I HAVE REPEATEDLY ASKED THEM TO COUNTER IN WRITING AND THEY REFUSE. I THINK THEY ARE IN THE BUSINESS OF HARASSMENT. I WILL EXPECT A LETTER FROM THEM WHEN THEY RECEIVE THIS SIGNATURE REQUIRED OFFER FROM ME. MY INCOME IS COMPLETELY EXEMPT AS IT IS SOLELY SOCIAL SECURITY. THEY HAVE TRIED TO STEAL THIS FROM ME AND IT IS ILLEGAL. I AM GIVING THEM A THIRD OPPORTUNITY TO SETTLE THIS BILL.
In the first week of XX/XX/2018 I received a letter from Westlake Portfolio Management LLC stating that they have been assigned to my auto loan formerly with XXXX XXXX. 
I want to note that I did not receive any correspondence regarding this change before XX/XX/2018 from either parties : XXXX XXXX or Westlake Portfolio Management LLC. 
I went on to inquire about my settlement put in place by XXXX   XXXX of about {$1100.00} left to be paid. Westlake Portfolio Management LLC acknowledged notes placed in my account regarding the settlement but assured me multiple times that they would not honor the settlement agreement and stated that I am due to pay {$7200.00}. I spoke with many representatives through out this process and none of them could give me reason to why my request would not be regarded other than XXXX XXXX ( manager ) " said no ''.
This is concerning the property located at XXXX XXXX XXXX, XXXX, TX XXXX. The property has been vacant for more than 18 months and is having a negative affect on the surrounding properties and the XXXX finances. We believe the mortgage company is delaying their foreclosure in an effort to take responsibility for the property including maintenance and paying HOA dues. We are also concerned that this obviously vacant house is becoming a location for elicit activities causing great concerns to neighbors.
On morning of XXXX/XXXX/2015, I woke up to having my account overdraft XXXX times with the bank maximizing overdrafts fees. I called the customer service center to find out why the bank charged my account the higher transaction first. The customer service rep was rude and starting yelling at me, the bank does not stack transactions, the its policy to pay off the higher one first. I asked for senior specialist, the lady told me the same thing, bank pays off the higher transaction first. at the point i requested a manager. I explain to him by paying off the higher item first, chase was re-ordering transactions to clear the highest item first is not considered a neutral, chase was maximize overdraft fees is in direct conflict with FDIC. I told him the XXXX previous rep told me that same thing, bank pays off the higher item first. He tried explaining in a different way after i told him he was conflict with FDIC. The rep told me it was in favor for the bank to pay off the higher item first. I thanked for his time and ended the call
On XX/XX/XXXX I applied to have my credit line reopened with BB & T, in the XXXX North Carolina branch. My credit line was suspended due to a drop in my credit score over 3 year plus years ago. I applied to have my credit line opened back up, due to my score has increased, also I have never missed a payment on this credit line or with any other product at this bank. I have also asked for a copy of my agreement with XXXX XXXX in the complaint department and have yet to receive a copy of the agreement as I had requested. I have concerns that I may be a victim of overt discrimination as the bank will not take into account my spouse 's income, and due to the fact I 'm now married. I also do n't believe I have been treated fairly as the Branch Manager told me it was not income related, but score driven. I also complied with all requests such as supplying two years tax returns, making a payment to my credit line and providing current check stubs.
XX/XX/XXXX Paid merchant for repair of equipment XX/XX/XXXX Advised merchant that repairs were faultly as systme not longer worked. 
XX/XX/XXXX Attempted repairs via walkthrough on telephone by merchant Unresolved and Merchant advised to bring in alleged faulty item back to store. 
XX/XX/XXXX Merchant advised that part was fine, I replaced the part into machine and still the machine would not work. 
Merchant advised that a home visit would be necessary XX/XX/XXXX Merchant unresponsive. 

XX/XX/XXXX Contacted Bank ( Credit Card ) for reimbursement XX/XX/XXXX Bank advised response from vendor indicated no record of my account being charged. I sent my statement showing vendor did in fact charge me. 
XX/XX/XXXX Bank sends letter indicating that I still have the merchandise and the matter was closed. I reminded the bank that my dispute was for services rendered that was faulty and NOT the purchase of goods. 

XX/XX/XXXX Contacted Bank Again to advise to re-open and re-investigate. 
XX/XX/XXXX No response from bank of htis date.
I am writing to the Consumer Financial Protection Bureau as a final effort to resolve an issue I am currently having with Rushmore Loan Management Services located in XXXX California. Over a year ago I had applied for a loan modification due to a financial hardship. At this time I retained an attorney who represented me. We could not agree to a modification on both sides. With the direction of my attorney I filed a preliminary bankruptcy so I would not lose the house. Rushmore then presented a modification and I amicably agreed to their terms and the petition for bankruptcy was promptly withdrawn by my attorney. Rushmore asked for a good faith down payment which I complied followed by monthly mortgage payments wired directly to them by my bank for 6 consecutive months. These were the terms to satisfy this agreement. In spite of complying and sending timely payments a few days to a week prior to the due date and Rushmore issued auction dates and continued to record as foreclosure. I also wrote to the XXXX  in an effort to remove the foreclosure by Rushmore. It was only after I contacted the XXXX  that Rushmores attorney responded with a letter of apology and stating errors were made by them. I finally received the congratulations on your modification letter several months after the terms were completed dated months before. I am now still receiving multiple mail correspondence from attorneys stating that it is still recorded as a foreclosure by Rushmore. Bankruptcy was never completed at any time. I continue to be in good standing and this foreclosure issue has to be cleared. If something can be done by your agency it would be greatly appreciated.
well XX/XX/2016 i deposit a check for XXXX dollars and capitol one 360 bank has not released the funds even though it says available please help they been holding my money way to long
I 've been charged {$10.00} from XXXX, Equifax, and XXXX on XXXX XXXX XXXX to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.
I tried to come to a payment solution with the private student loan company AES and I had lost my job and could not make the payments anymore. I tried to get them to lower the payment or do a consoldation to make it affordable. They said they was nothing they could do. So I paid what I could and then they started to refuse the payments. So it went into default and I have been trying my best to get back on my feet because I lost my job.
I applied for a home mortgage recently to find out a fraud Credit Inquiry from TD BANK USA/TARGET C on XXXX/XXXX/2016,. this pul effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, Would like Inquiry removed ASAP