WillisBack/dataset-financial-user-claim huggingface dataset:
Due to unforseen business problems associated with the downturn in XXXX, I lost a business where I had personal guarantees that caused me to seek personal Bankruptcy in late XXXX through XXXX. At the time I owned XXXX homes with mortgages with XXXX different financial institutions. XXXX I lost through the bankruptcy, but the other I kept which is the XXXX I am writing about. As part of the process, I went through the HAMP ( Home Affordable Modification Program ) which resulted in a loan modification. The trial period was completed in XXXX and a loan modification was completed. I have made all payments fully and on time since the trial period began and continuing with a loan modification through today - additionally earning " pay for performance '' incentives from the program each month eligible. 

A large part of rebuilding my credit is the new history of on-time payments. As such it is important that all of my credit history be available. My mortgage holder refuses to acknowledge and report my mortgage performance to the credit bureaus, citing my bankruptcy as the reason they do not have to report it. They indicated that I did not " reconfirm '' in the Bankruptcy proceedings that I intended to keep the mortgage, although I acknowledged in my initial filing that it was my intent, went through the HAMP program during the Bankruptcy, signed new mortgage modification paperwork, and have made all payments on time since completing the trial period to qualify. Additionally, since they will not report anything, my old mortgage shows on my credit reports as in Bankruptcy without showing resolution. 

The Bank was not asked, nor did they offer, to reduce the principle amount owed on the loan. While the interest rate on the loan is less than the previous amount on the original mortgage, they will be whole once the note is paid off. 

I previously contacted the Bank on more than XXXX occasion, seeking to have payment information reported to the credit agencies. The farthest I have gotten was being referred to the Bankruptcy department where I was told that since I have not " reconfirmed '' my intent during the Bankruptcy they were under no obligation to report my information. My only option was to reopen my Bankruptcy ( at my cost ) to reconfirm the mortgage. 

While others did suffer because of my Bankruptcy, as well as me personally, this particular institution did not. The whole intent of Bankruptcy is to help people get out of overwhelming debt and get back on the right track to financial independence. I am working very hard to resurrect my credit rating which for many years was in the high XXXX. But that is made difficult by the fact that the Bank will not report my credit information. I can not accept that this Bank has the right to hold back such information since I have a modified loan in good standing.
I sold my home and closed out my loan with Home Point Financial on XX/XX/2016. I have received documentation from the company that my loan has been paid in full. However, Home Point has failed to refund my escrow account. Four months after paying off my loan, the company owes me {$3100.00} in escrow refunds. I have contacted the company repeatedly to obtain these funds and Home Point acknowledges that it owes me this money. However, the company claims that they have mistakenly been mailing the escrow refund to my old address, despite my many and repeated attempts to update my mailing address. I have called customer service over and over again, and every time I call them they claim that the address update did n't go through and they somehow mailed the check to the wrong address, but they will absolutely correct the mistake, cancel the old checks, and expedite the mailing of a new check to my current address. The last time I called them and received this story was a month ago, and I still have not received the refund check. Nor have I been contacted by the company. 
After so many attempts on my part to obtain these funds from Home Point Financial, I believe that the company is acting in bad faith and is attempting to withhold the escrow refund that I am due. It is now months late and there is no reasonable excuse for the company 's failure. I will be very grateful for any assistance that the CFPB can provide. Thank you!
Rushmore Loan Management, LLC is the servicer on my mortgage loan sinceXX/XX/XXXX. They have incorrectly placed my mortgage in default. I provided every month of proof of payment between XX/XX/XXXX through XX/XX/XXXX and they have not corrected this. Rushmore now says that it is due to a payment XX/XX/XXXX prior to them servicing the loan. I 've asked them why they are trying to collect on the loan prior to them servicing loan. They stated XXXX XXXX XXXX transferred loan stating I was one month in default and did n't receive XX/XX/XXXX. I have provided copies of proof of payment and the cleared & endorsed check by XXXX XXXX XXXX for the XX/XX/XXXX payment. Now, Rushmore states that it is due to an XX/XX/XXXX missed payment. I explainded that payment was n't required because I have a statement with XXXX Balance due because an adjustment that was made due to a Modification from XXXX  XXXX XXXX. I have provided that information and Rushmore Loan Management continues to keep my loan in default. Please see copy of the XX/XX/XXXX statement with zero balance due.
I previously had a vehicle with this company. The vehicle was paid for by insurance however this company after a few months reported that I stilI owe {$140.00}. I recently sent them a letter asking for proof of balance. They sent me an unclear printout of transaction corrections that they made on their end with no detailed information. I am requesting proof the of the insurance check and warranty cancellation information. If this information can not be furnished. I am asking this account be deleted from my report.
A company called California Business Bureau is reporting on my credit reports medical debt from XX/XX/XXXX-XX/XX/XXXX. I have sent certified mail asking for validation and proof of surety bond in the state of Texas, which they do not have. I live in Texas. The company 's address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The Texas Secretary of State debt collector website search shows no surety bond in the state of Texas. According to Texas Finance code 392 they must remove all entries from my credit reports with all three bureaus and may not sell or transfer these accounts. I am also aware that I could sue them and be compensated for their illegal debt collection practices on each instance they are reporting.
i have contacted chase bank many times, and i have got no response from them, i lost my job due to my health and i am XXXX and on XXXX ..i return my auto back to the auto dealer ... chase bank lie on my credit report and posted that they repo. my auto ... i had XXXX witness and mailed a certified letter to chase bank as well..now chase bank wants to be real XXXX and cause damage to my credit report by doing a credit inquires to drop my credit scores ... i have spoke with a atty ... and if chase does not stop i will expose chase bank, ,and since a XXXX vet i am sure that would make good news story ... i am so fed up with chase bank.i have mailed them at lease XXXX packets of information and i have been very honest with chase bank ... what really made me mad is the few times i would talk to someone at chase bank, ,i was told by a chase bank staff lady that they could not get close to there customers ... i have work in XXXX for 27 years,,, i have never herd of such a poor excuse ... i have learn with chase bank being honest with them is not chase bank wants..XXXX i should have just kept my truck and cut the gps system and chase bank would have never found my truck ... as i have said i am not going to put up with chase bank causing damage to my credit report ... .if this how chase bank treats people that are XXXX and XXXX veterans ... chase bank needs to close there doors ... ..
Dear cfpb, after the real estate market crashed in XXXX XXXX California in XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brooke.. Our new jobs could not cover our credit card payments and eventually, we were default on all credit cards and mortgage payments. I had also used my chase/wamu card to pay my chase/wamu mortgage. So after I became default with my credit cards by XXXX and XXXX. Chase sold XXXX of my credit card debts to XXXX and XXXX Attorney at law XXXX, XXXX on XXXX XXXX XXXX. And XXXX XXXX file a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that Chase have had some agreements with CFPB and state attorneys general. But because chase sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. Previously, they have taken over XXXX and now on the XXXX of XXXX XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me
Customer service inability to understand NY State fair credit reporting act and credit reporting time period. XXXX BofA employees could not help me. Opened credit card in XXXX XXXX and closed in XXXX XXXX. In my home state of NY I noticed the account was still reporting to all XXXX credit bureaus as a paid charge off after five years from date of first delinquency. This is a violation according to the credit reporting time period in NY State. The NY Fair Credit Reporting Act states that any paid charge off must be removed after five years from date of first delinquent. Bank of America refuses to acknowledge that my DOFD is XXXX XXXX. They have it reported as XXXX XXXX, which makes no sense if the charges related to the charge off caused my account to close in XXXX of XXXX. 30 days late in XXXX XXXX then 60 days late in XXXX which led to account closure. How can I use a card in XXXX if it was closed in XXXX? The representatives at BOA had no clue what I was talking about and referred to the standard 7 years plus 180 days that a charge off must remain on my credit reports. Once I had escalated the issue to Managers, they wanted to try and help. They were kind, but repeatedly put me on hold and had to speak with someone else. Once they realized it should be removed they recommended I dispute the item with the reporting credit agency. This is what I did and all disputes came back as verified with BOA. Essentially, verifying that my DOFD was XXXX XXXX, I figured I would try again and failed again until XXXX recognized the error and removed from my credit report. XXXX XXXX and XXXX refuse to remove because BOA will NOT report my DOFD accurately. After more phone calls and reaching XXXX XXXX he told me he would call me back personally and get to the bottom of this. Surprise, he NEVER called back and I had to reach out again. When he finally had an answer for me he told me their was nothing he could do except give me an address to the Executive Office. I had requested a complete account history, records of all activity, payments, collection attempts, charges added for collection attempts. The only information provided to me was a list of my statements from XXXX XXXX to XXXX XXXX. A letter enclosed, stated these are the best quality copies we have available. Another letter from BOA stated that -this account is reporting as being charged off on XXXX XXXX, XXXX, this account is reporting with a zero balance. Unfortunately, that is not the information I was inquiring about. The NY FCRA starts from the DATE OF FIRST DELINQUENCY, not the charge off date. All of this because of a {$30.00} paid charge off, which would have been paid in full if they actually sent it to the correct address. The card was stolen from me by a family member and charged it up without my knowledge. Hence, the charge off. Everything about this card and dealing with BOA and it 's associates has been a disaster. I have disputed the DOFD with XXXX and XXXX XXXX now several times. They will not change unless BOA reports the information correctly.
I had requested a stop payment in XXXX 2017, then they failed to stop the payment they gave a credit and now they took the money without my consent and they took out XXXX too offset the other negative account that I was unaware they refuse to credit the account and they left me with no money for 2 weeks they cause my mortgae to be NSF and they also charged me nsf fees and late charges
Sent letter to TransUnion, XXXX, and XXXX  requesting, validation of XXXXXXXX XXXX account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.
I called XXXX, First Data, multiple times over the last six months, requesting my account to be closed. 

Every single time I was told that I had a legacy account and that I needed to leave a message so I could be contacted. I did as requested, but I was never contacted. 

Instead, XXXX kept taking out the monthly service fees from my account while stringing me along on promises of getting a call back from them. 

On XX/XX/2019 they withdrew {$220.00} from my account, citing an annual renewal fee. When I called them, I reiterated that for months I have been requesting the account to be closed to no avail. Immediately, the agent sent me the cancelation paperwork. 

For months, I have requested a cancelation and for months XXXX intentionally kept the necessary paperwork from me, lied about legacy account statuses and never called me back in order to keep the account open long enough to charge the annual fee.
XXXX used students as loan officers, students with no actual college degree. They didn't indicate how difficult it would be to repay {$150000.00} on a teacher 's salary. I am now a XXXX turned XXXX XXXX. I applied for the XXXX XXXX XXXX program and I know it requires about 10 years of payments. I'm XXXX by the way. Last year Navient processed my income based payment scheduled as making no payment all year. I'm afraid this may have kicked me out of the XXXX XXXX XXXX, and will result in having to start the 10 years all over. They tack on tons of interest that I'll never be able to repay at my age. This is hanging over my head and weighs down any possibility of a future, or even retirement. 
I even filed bankruptcy over 10 years ago, and was unable to stop the loans from growing.
I signed up for the American Express Platinum card a few months ago after seeing their advertisement that states that they would give out XXXX Membership Rewards ( MR ) points ( equivalent to {$1000.00} cash ) to anyone who spends {$3000.00} on the card in the first 3 months. I spent over {$3000.00} and was awarded the XXXX MR points. A few days ago, I logged into my account and the points had been removed. American Express has sited " Returns '' as a reason for removing people 's XXXX MR points. You can see in the attached statement, however, that I had never had any returns on my card and I spent {$3400.00}, well over the {$3000.00} requirement.
I was enticed by Big Picture loans with an offer of pre-approved for loan. Well after XX/XX/XXXX I was down in money so decide to apply for a loan. I filled out the application and then it took a few minutes but what I didnt realize that I was not able to view the truth in lending disclosure before accepting the loan. Before I knew it I was now obligated to loan of 733.081 % yr interest and now paying XXXX a month for next 15 month. Also something that seems to unsafe is using my ssn # to log into their portal is not really something safe.
A collection under my name is reflecting my credit report bureua, impacting my report negatively. 
I contacted the company Enhanced recovery corporation at tel. XXXX, i spoke to a representative name XXXX and supervisor XXXX XXXX, asking information on this case. 
They explain that it was a account for XXXX on a adress that doesnt belong to me, they ask me to contact direct tv since they dont even have my social securitu number and the adress that reflects on the account its not mine. 
I spoke to XXXX, and they told me that they would contact Enhanced recovery corp, to alllow 10 business day for this collection to be remove from my credit since it didnt belong to me. 
The collection is still on my credit report and when i now call Enhanced recovery corp, they tell me, that they cant talk to me about this account since it doesnt belong to me. 
This collection is really affecting my chances to buy a property, and i will appreciate your help.
Received letter from XXXX XXXX collecting for XXXX XXXX XXXX. I requested validation of this loan ( see attached ) and they sent me another collection letter. 

XXXX XXXX
My mortgage was transferred to a loan servicing company known as LoanCare. I called them on XX/XX/XXXX when I noticed that the property taxes due XX/XX/XXXX had not been paid, and was assured they would be paid on time. I noticed on my county website in early XX/XX/XXXX that they still had not been paid and called the company. They told me to send an email, which I did. I then received a delinquency notice from my county treasurer last week, indicating that they had not been paid. I emailed the company again, since I had received no response. That was on Monday and I still have no response. I called the company tonight and been on hold with their customer service line for an hour. 

My escrow balance is far in excess of the taxes that are due, by the way.
cra violation sent police report and all inaccurate information XXXX pd number XXXX
Unclear / Vague and Misleading rules about ticket exchange.

I purchased a ticket Flight from XXXX to XXXX - XX/XX/XXXXwith return on XX/XX/XXXX ( Ticket # : XXXX ( XXXX ). Method of payment my Delta AMEX ) Cost {$300.00} " Policy stated : This ticket is non-refundable unless the original ticket was issued at a fully refundable fare. Some fares may not allow changes. If allowed, any change to your itinerary may require payment of a change fee and increased fare. '' Due to my sister being in the hospital, I had to change my flight to retrun onXX/XX/XXXX instead. When I called the XXXX support agency, they asked that I prove my sister 's medical informaion, hospital name, etc., in order to the 'change fee ' to be waived. At that point, the return flight on XXXX cost the same as XXXX. The clerk said there would be no extra cost, but then we got disconnected. I called back to get another representative that stated I needed to pay an 'upgrage of ticket ' fee in order to get the ticket changed. I explained that XXXX Medical Policy does not menion any upgrade fee and that it waives the change fee, but the clerk did not want to follow policy. XXXX website : XXXX XXXX XXXX XXXX XXXX  Medical Emergency policy provides flexibility to the return portion of your trip by waiving service fees however, fare differences may still apply. ".

I called back another clerk to see if it was a bad representative. This one agreed with the first representative and change my second part of the trip to XX/XX/XXXX but said that I needed to hold for another clerk to verify the fare difference did not exist. Upon transfer, the next representative said that the price for this new ticket would be ' $ 300+ ' dollars. Which is outrageous. I asked to explain why, and this person again said that they had to sell me base economy and could not sell me a non-refundable fare. None of this is in the XXXX  policy and non of the representatives can agree.

After this conversation, I went ahead and bought my own one way flight back on the XX/XX/XXXX for {$180.00} USD ( XXXX   ).

When flying on the XXXX, I had 2 open reservations to check into. Both tickets were valid and the XXXX  clerk agents were confused why I had two tickets. They eneded up just canceling one on the spot because the system showed that I would be sitting next to myself.

What a terrible way to treat customers and write a bait and switch policy for medical emergencies. I'm extreemly upset at this company. Inconsistent customer cervice, lies about policy, and complete disregard for their own rules.
I called Synchrony Bank at ( XXXX ) XXXX on Wednesday, XXXX XXXX, XXXX at approximately XXXX XXXX to discuss an abrupt hike in my monthly payment amounts on two jewelry purchase accounts which I have with Synchrony Bank, associated with jewelry purchases made at XXXX XXXX XXXX 
The Synchrony Bank associated with whom I spoke, named XXXX, stated that on my more recently opened of my two XXXX accounts, a late fee of {$27.00} had been assessed, allegedly pursuant to said account being set up by XXXX XXXX, XXXX. I corrected XXXX for assessing XXXX XXXX arbitrarily as the set-up date for the account, since I actually set up the account with XXXX XXXX XXXX on Saturday, XXXX/XXXX/XXXX as sales receipts clearly indicate. It would be perfectly unreasonable for a payment, first estimated to be {$93.00} and mysteriously escalating to {$100.00}, to come due on the XXXX of the following month, as I explained to XXXX, who became very evasive with me, to the point of continually wanting to get off the phone rather than to confront the issues that I was raising, blaming XXXX XXXX XXXX ' record-keeping although the documentary trail on the merchant 's side is clear. 
When in response to XXXX 's evasiveness I advised her that I would refer the matter to someone who could help me resolve this problem, XXXX expressed concern not over any issues raised, but rather over the possibility that I might involve regulatory authorities. 
I have ongoing issues with XXXX 's business practices, especially the dearth of firm paperwork, mirroring that of companion merchant XXXX XXXX XXXX, clearly specifying as opposed to verbally estimating fees, and subsequently accumulating and assessing late fees with no warning in terms of dunning letters or other clear advisories as to payment terms prior to assessment of late fees. Statements are rare, and usually serve only as notice of late fees already incurred.
This is in reference to XXXX Account # XXXX that was recently charged off due to late payments. My grandmother was XXXX, her name is XXXX XXXX - due to her illness, I had not choice but to quit my job and take care of her. I am back on my feet now, I settled all my debt, but unfortunately I did it on bad terms that are now haunting my credit history. Please help me remove the derogatory items from my credit report as was promised to me by the representative from the charge off company that took my payment and promised that my credit will now be fixed and the derogatory item should no longer show up as late. I am a young professional, and it 's very difficult for me to get a job or one day get a house because everyone is looking at credit reports these days.
On  XXXX / XXXX /  XXXX   I submitted an online dispute for a account I have 'No Knowledge ' of and On  XXXX / XXXX /  XXXX   received email dispute was completed without results. However, when accessed credit report on  XXXX / XXXX /  XXXX   and item is still showing  'Under Investigation a nd I should have my results soon '. I 've attached a copy of credit report to support complaint, the item in question is the very last item in the attached. Thank you.
In  XXXX   of 2016 I was need of some emergency cash. I responded to loan offer that I received via email. The process was prompt but I was not aware of the enormous interest rate. I borrowed {$550.00} and this far have money has been withdrawn every two weeks to the tune of almost {$2800.00}. I feel so stupid for being so desperate.